Atwood v. St. Paul Fire and Marine Ins. Co.

Nearly two years after she was denied insurance coverage for the loss of her pleasure boat, plaintiff, Marjorie Atwood, sued defendant, St. Paul Fire & Marine Insurance Company, for breach of the parties’ insurance contract (Policy). Defendant moved for summary judgment, arguing that, based on a one-year limitations period in the Policy, plaintiff’s suit was untimely. The trial court agreed and granted defendant’s motion. Plaintiff appeals, and we affirm.

I. BACKGROUND

The relevant facts are undisputed. The Policy provided coverage in the event of certain losses associated with plaintiffs…