Fire Insurance Exchange v. Diehl

In this case we decide if a homeowner’s insurance policy covers the injury resulting from a child actor’s requests for the child victim to perform fellatio and the child victim’s acquiescence. We find that the policy may cover the incidents if a jury finds that the injury resulting from the child actor’s conduct was not reasonably foreseeable to a child of like age, ability, intelligence, and experience under like circumstances.

Reaching this conclusion, we find that if the policy excludes coverage for. intentional acts where the result is "reasonably foreseeable,” reasonable foreseeability…