Supreme Court of California

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Century-National Ins. v. Garcia, S179252

In a case involving a fire insurance policy that contains clauses excluding coverage for losses caused by the intentional act or criminal conduct of "any insured", the Court of Appeal's judgment is reversed where, based on these exclusion clauses, the insurer did not properly prevail on a demurrer to the cross-complaint of two allegedly innocent insureds who suffered losses when their son, a coinsured under the policy, intentionally set fire to their home, because the clauses impermissibly reduce coverage that is statutorily mandated.

Appellate Information

  • Decided 02/17/2011
  • Published 02/17/2011




  • Supreme Court of California