Stein v. Home-Owners Insurance

Defendant appeals as of right a judgment awarding plaintiff $199,399.79 for her claim for insurance proceeds related to the loss of her home because of a fire. We reverse and remand for a new trial.

*384I. BASIC FACTS

Plaintiff owned a modular home located in Sumpter Township, Michigan. Plaintiffs property was covered for fire loss under an insurance policy issued by defendant. The policy, however, contained a provision that excluded any losses that were caused by “[a]n action by or at the direction of any insured committed with the intent to cause a loss.” The policy further provided:

This entire…