Young v. United States Automotive Ass'n Casualty Co.

MICHAEL E. KIRBY, Judge.

Lin this consolidated appeal, the defendant, United Services Automobile Association (“USAA” or “insurer”) appeals the granting of a judgment notwithstanding the verdict (“JNOV”) in favor of the plaintiffs, Bob and Anne Young (“the Youngs”).1 Because we find the trial court erred in granting the JNOV, we reverse and reinstate the jury’s verdict.

USAA issued a policy of homeowner’s insurance to the Youngs for their house located on the Gulf Coast in Pass Christian, Mississippi. The insurance policy, an “all risk” policy covering all perils to the Youngs’ home except those…