Sager v. Farm Bureau Mutual Insurance Co.

STREIT, Justice.

A battalion of Beanie Babies has marched a legal question before us. While on a quest to torch his wife Ramona’s Beanie Baby collection, Robert Sager nearly burnt down the family house. Ramona now seeks to collect under the couple’s homeowners policy with Farm Bureau for Robert’s pyromaniacal actions. The policy, however, contains an exclusion for “intentional loss” at the hand of “an insured.” In a matter of first impression, we hold Iowa’s standard fire insurance policy, as set forth in Iowa Code section 515.138 (1999), renders the exclusion unenforceable. We reverse and…