Continental Insurance Co. v. Polly Roberts

CARNES, Circuit Judge:

This appeal arises out of a disagreement about the meaning of a term in an insurance contract. As always in this type of case, “the pivotal issue is whether a policy term is ambiguous and therefore to be interpreted against the insurer, meaning that there is coverage, or is plain, meaning that there is no coverage.” Am. Cas. Co. of Reading, Pa. v. Etowah Bank, 288 F.3d 1282, 1284 (11th Cir.2002). The term in question is “household,” as used to define “family member” in a limitation clause contained in an insurance policy on a boat.

In July of 2001 Stephen Gimopoulos…