HAROLD L. LOWENSTEIN, Judge.
Appellant Liberty Mutual Insurance Company filed this declaratory judgment action seeking a determination that a homeowners policy issued to Ken and June Havner ("the Havners") did not require it either to indemnify or to defend the Havners' grandson, Mathew Lilly, in a suit for injuries brought on behalf of respondent, Bellefeuille. Both parties filed motions for summary judgment. The trial court ruled in favor of Bellefeuille.
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