West Virginia Supreme Court July 21, 1998, 24759, 24760 (Murray v. State Farm Fire & Casualty Co.)

STARCHER, Justice:

The appellants and defendants below, State Farm Fire and Casualty Company (“State Farm”) and Allstate Insurance Company (“Allstate”), appeal an order of the Circuit Court of Jackson County granting summary judgment to several homeowners in a dispute concerning policy exclusions in two homeowners’ insurance policies.