OPINION AND ORDER
KING, United States Magistrate Judge.
This is a diversity action for a declaration of the rights and obligations of the parties in connection with coverage under a homeowner's insurance policy issued by defendant State Farm Fire & Casualty Company to plaintiff's parents. With the consent of the parties, 28 U.S.C. § 636(c), this matter is before the Court on cross-motions for summary judgment.
I. Background
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