SKOPIL, Circuit Judge:
State Farm Fire and Casualty Company (State Farm) appeals a declaratory judgment by the district court that State Farm's homeowner policy provides coverage for emotional harm caused by negligent care and intentional sexual abuse. State Farm argues that either the policy (1) does not cover emotional harm; or (2) excludes coverage for household members. We agree with the latter argument and reverse.
FACTS AND PRIOR PROCEEDINGS
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