Frederic M. Goffstein and Andrea J. Goffstein v. State Farm Fire & Casualty Co. And State Farm Mutual Automobile Ins., Co.

BRIGHT, Circuit Judge.

Frederic and Andrea Goffstein, husband and wife, brought this action against State Farm Fire & Casualty Company and State Farm Mutual Automobile Insurance Company (collectively “State Farm”) on homeowners and automobile insurance policies, to recover for fire losses occurring on their home premises in Creve Coeur, Missouri. The fire damaged their home and personal property in the dwelling, plus two automobiles in the garage. State Farm denied liability on grounds that Mrs. Goffstein had intentionally set the fire. At trial, the district court submitted a special verdict…