This appeal arises from a suit on a homeowner's insurance policy. In May 1985, Appellants David West and Teri West (the "Wests") purchased a lake home, giving the sellers (the "Barbers") a note and deed of trust. At the same time, the Wests obtained a homeowner's policy on the property from Shelter Mutual Insurance Company ("Shelter") insuring the house for $30,000, the contents for $16,500, and naming...
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