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HIGGINS v. SCOTTSDALE INS. CO.

No. 22982-3-III.

111 P.3d 893 (2005)

Earl and Carolyn HIGGINS, Husband and Wife, Appellants, v. SCOTTSDALE INSURANCE COMPANY, A foreign insurance corporation, Respondent.

Court of Appeals of Washington, Division 3, Panel Seven.

May 17, 2005.

Attorney(s) appearing for the Case

John Montgomery, Waldo, Schweda, Montgomery, Gales PS, Spokane, WA, for Appellants.

Randall R. Adams, Attorney at Law, Coeur D Alene, ID, for Respondent.

SCHULTHEIS, J.

¶ 1 Carolyn and Earl Higgins held a secured interest in property pursuant to a deed of trust executed by Larry and Pamela Kelty. The Keltys obtained homeowner's insurance from Scottsdale Insurance Company to insure the property. When the Keltys failed to pay the premiums on the insurance to the premium finance company — Tepco Premium Finance, LLC — Tepco canceled the policy in March 2002...

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