Allstate Insurance Co. v. Falgoust

OPINION

MATTHEWS, Justice.

I. INTRODUCTION

The household exclusion in a homeowner's policy bars from liability coverage the claims of an "insured person" against the named insured. "Insured person" includes "any dependent person in [the named insured's] care" "if a resident of [the named insured's] household." The question presented is whether a foster child is an "insured person" under the household exclusion. We answer in the affirmative. Foster children readily meet the "insured person" definition, and other jurisdictions have so held.

II. FACTS AND PROCEEDINGS

This is a declaratory judgment…