MARVIN, Chief Judge.
In this action arising out of a house fire that caused the death of the three-year-old granddaughter of the homeowner, the mother of the victim appeals a summary judgment in favor of the homeowner's insurer whose policy excluded from liability coverage, damages which might be owed to the homeowner's "relative" or "person under the age of 21 in the care of the named insured" who is a "resident of [the homeowner's] household."
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