Briefed Insurance-Related Appeal Regarding Applicability of Household Exclusion

Obtained Missouri Court of Appeals decision affirming application of a household exclusion in an excess policy issued to a rental company to the optional coverage purchased by the renter and described in the rental agreement.  The Court of Appeals considered and rejected the argument that the description in the rental agreement created an ambiguity giving rise to coverage, even if the rental agreement’s summary of the household exclusion was ambiguous, because the rental agreement provided that the terms of the policy controlled and did not promise any coverage not provided by the policy.