OPINION
EDWARD D. MULALLY, Judge.
National Farmers Union Insurance Company (National Farmers) appeals the trial court's declaratory judgment determining that (1) National Farmers' homeowners policy provides coverage for injuries sustained by respondent Kevin Koen and (2) respondent North Star Insurance Company's (North Star's) homeowners policy does not provide coverage for Koen's injuries. We reverse on both determinations.
FACTS
Respondents...
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