MEMORANDUM OPINION
H. FRANKLIN WATERS, Chief Judge.
Plaintiff Allstate Insurance Company ("Allstate") has filed this action seeking a declaration that it has no duty to defend or to provide coverage to its insured, Mark Burrough. The parties have stipulated to a record and upon careful review of the record, the court is prepared to rule.
I. BACKGROUND
Defendant Mark Burrough is covered by an Allstate homeowner's insurance policy...
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