Auto-Owners Insurance v. Hamin

STILWELL, J.:

Darnasai Hamin appeals a circuit court order finding Auto-Owners Insurance Company not liable to provide coverage under Hamin’s homeowners’ insurance policy for a fire that occurred in her home. We affirm.

FACTS

Hamin, a minor, owns a house insured by Auto-Owners. Numerous family members reside in the house including Hamin’s mother, Melissa Stinnett, Hamin’s sister, Vermica Grant, two other siblings, and Hamin’s conservator and grandmother, Vermelle Simmons.

At the time of the fire, Grant was fifteen years old.. A few hours before the fire, Grant returned to the house after an…