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STATE FARM FIRE & CAS. CO. v. ENGLISH COVE ASS'N, INC.

No. 51750-3-I.

88 P.3d 986 (2004)

STATE FARM FIRE & CASUALTY COMPANY, an Illinois corporation, Appellant, v. ENGLISH COVE ASSOCIATION, INC., a Washington corporation; Douglass C. Reiss; W. Dean Weidner; and English Cove Condominium Association, Respondents.

Court of Appeals of Washington, Division 1.

As Amended June 8, 2004.

Attorney(s) appearing for the Case

David Bradley Merchant, Barker Martin & Merchant PS, Seattle, WA, for Amicus Curiae Washington Homeowners.

A. Richard Dykstra, J. William Ashbaugh, Seattle, WA, for Respondent.

Pamela A. Okano, Michael Simpson Rogers, Seattle, WA, for Appellants.

COX, C.J.

An "owned property" exclusion is intended to prevent a general liability policy from providing first-party benefits to the insured.1 The comprehensive business liability policy at issue here excludes from coverage damage to "property you own, rent, or occupy." Because English Cove Associates, Inc. (ECA), the insured, has an undivided ownership interest in the damaged property, and the...

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