Heniser v. Frankenmuth Mutual Insurance

The question presented is whether the homeowner’s insurance policy in this case provides coverage for the destruction of the insured’s building. We hold that the policy is unambiguous, that the destruction of the building does not fall within the scope of the policy, and thus affirm the decision of the Court of Appeals.

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The facts are not in dispute. Plaintiff Heniser and his wife purchased a vacation home in Honor, Michigan. The couple lived in the house intermittently throughout the years until their divorce.

Heniser retained possession of the property after the divorce, but in November,…