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MINNESOTA FIRE AND CAS. CO. v. GREENFIELD

855 A.2d 854 (2004)

MINNESOTA FIRE AND CASUALTY COMPANY, Appellee, v. Michael J. GREENFIELD, Sharon Smith and Arlin C. Smith, Individually and as Administrators of The Estate of Angela C. Smith, Appellants.

Supreme Court of Pennsylvania.

Decided August 19, 2004.

Attorney(s) appearing for the Case

John Richard Fenstermacher, Esq., Mechanicsburg, for Michael J. Greenfield, et al.

William T. Salzer, Esq., Kori Ann Connelly, Esq., Philadelphia, for Minnesota Fire and Casualty Company.

BEFORE: CAPPY, C.J., and CASTILLE, NIGRO, NEWMAN, SAYLOR, EAKIN, and LAMB, JJ.

OPINION ANNOUNCING THE JUDGMENT OF THE COURT

Justice NEWMAN.

We must decide today whether an insurance company owes a duty to defend or indemnify a homeowner for the wrongful death of his houseguest occasioned by his selling heroin to her. For the reasons that follow, we affirm the holding of the Superior Court, albeit on different grounds, that no such obligation exists.

FACTS AND PROCEDURAL HISTORY

At 8 p.m. on February...

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