United Services Automobile Ass'n v. Swann

Insurer United Services Automobile Association (USAA) sought a declaratory judgment from the Windham Superior Court to determine whether it is obligated to either defend or indemnify Kevin Swann, an adult child, under the terms of his parents’ homeowner’s policy, against a claim that Swann allegedly committed a tort. According to USAA, it has no duty to defend or indemnify Swann because the alleged tort occurred when Swann was working a seasonal job and living away from his parents’ household. The court granted summary judgment to USAA, concluding that, under the circumstances, insurer had no…