American Family Mutual Insuran v. David Williams

WOOD, Chief Judge.

They say every dog has its day. This case is about a dog — specifically, Emma, a black Labrador. Emma lived in Indiana with Anthony and Jeanette Van de Venter, friends of David Williams. When Williams, then visiting the Van de Venters, took Emma outside so that she could relieve herself, she raced off toward an enticing sound and Williams was injured. Before us is the question whether American Family Mutual Insurance (AmFam), the Van de Venter’s home insurer, must cover Williams’s medical expenses. AmFam said no and brought this suit for a declaratory judgment to confirm its…