Averill v. Preferred Mutual Insurance

Moore, Justice:

Respondents (Homeowners) purchased an insurance policy from appellant (Insurer) that insured against loss caused by fire while their home was being constructed. Before construction was complete, the home was totally destroyed by fire. Homeowners commenced this action for breach of contract when Insurer refused to pay the amount Homeowners claimed they were due under the policy. The trial judge granted Homeowners summary judgment. We affirm.

ISSUE

What coverage is due under the language of the policy?

DISCUSSION

The policy in question provides that under Coverage A, the dwelling is…