MORRIS SHEPPARD ARNOLD, Circuit Judge.
J.R. Saunders brought suit against Gary and Linda Stallard after he sustained serious injury while a guest at one of their rental properties. Secura Insurance Company then filed this action against the Stallards and Mr. Saunders seeking a declaratory judgment that the Stallards' homeowner's policy did not cover the loss. Mr. Saunders appeals the order of the district court
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