Grange Mutual Casualty Co. v. King

I agree but upon a somewhat different basis.

Section I of this homeowners policy deals with losses to the insured’s property of various types, from certain perils, and so is not relevant here. Section II relates to liability of the insured for bodily injury to someone else and to property damage to someone else’s *719property. This suit involves injury to a third person, off the premises, by defendants’ minor son while using an unregistered trail bike. Thus the question is whether defendants’ liability for that incident, if there is any, is covered by Section II.

As to personal liability, the…