Auto-Owners Insurance Company v. Elite Homes, Inc.

Elite Homes, Inc. ’ appeals the district court’s grant of summary judgment in favor of Auto-Owners Insurance Company, arguing that Auto-Owners has a duty to defend it in an underlying state court action. After review of the record and consideration of the parties’ briefs, we affirm.

I

We first review the underlying litigation that gave rise to Elite Homes’ claim for a defense, and then set out the terms of the relevant policy.

A

On March 21, 2007, Joseph and Emily Crozier entered into a written contract with Elite Homes for the construction of a single-family residence. Shortly after construction…