Mutual Fire Insurance Co. of Calvert County v. Ackerman

Appellant Mutual Fire Insurance Company of Calvert County (“Mutual Fire”) challenges the summary judgment granted by the Circuit Court for St. Mary’s County in favor of appellee Michael O’Brien. The circuit court judgment required that an insurance policy issued by Mutual Fire cover losses sustained as the result of a fire damaging a house identified as “the dwelling” on real property owned by O’Brien. Mutual Fire raises two issues on appeal:

I. Did the circuit court err in finding that the house on the property was used principally for dwelling purposes within the meaning of the insurance…