OPINION
Justice HOLDRIDGE delivered the judgment of the court, with opinion.
¶ 1 The plaintiffs, David and Brenda Huizenga, appeal from the trial court's ruling in favor of the defendant, Auto-Owners Insurance (Auto-Owners), and against the plaintiffs (the insureds) on their respective motions for summary judgment. On appeal, the insureds contend that the trial court erred in finding that an endorsement in their umbrella policy with Auto-Owners did...
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