Edwin C. Haynes and Barbara Haynes v. The Hanover Insurance Companies

ROSS, Circuit Judge.

Appellants, Edwin C. Haynes and Barbara Haynes, as tenants by the entirety, owned a residence in Dunklin County, Missouri on which Mr. Haynes obtained a homeowners’ insurance policy from appellee, the Hanover Insurance Companies. The policy covered direct losses by fire, including up to $48,000 on the dwelling, $24,000 on the personal property contents, and $9,600 for loss of use of the premises. Mr. Haynes was the named insured under the policy, and Mrs. Haynes was covered as a relative of the insured and resident in his household within the definition of “insured” in the…