State Farm Fire & Casualty Co. v. Bohlen

CRANDALL, Judge.

Plaintiff, State Farm Fire & Casualty Company (hereinafter State Farm), appeals from the judgment entered in favor of defendants, Ronald Bohlen d/b/a Bohlen Realty, Fannie Bohlen, Gwendolyn Smith, and Jasmine Smith, in a declaratory judgment action in which State Farm sought a determination of its obligations under business insurance policies. We reverse and remand.

At all times pertinent to this litigation, Ronald and Fannie Bohlen (hereinafter Boh-lens) owned residential rental property located at 4128-A San Francisco in the City of St. Louis (hereinafter property). Bohlen…