Missouri Court of Appeals August 26, 1997, No. 71675 (State Farm Fire & Casualty Co. v. Schroeder)

PUDLOWSKI, Judge.

State Farm Fire and Casualty Company (State Farm) brought a declaratory judgment action asserting it was not obligated to defend Ian McGahan (McGahan) under a homeowner’s insurance policy nor responsible to Clinton Schroeder (Schroeder) for any monetary damages sustained by him as a result of the conduct of McGahan.