Sanzaro

INTRODUCTION

Plaintiffs Deborah Sanzaro and Michael Sanzaro were insured under a renter’s or

homeowner’s insurance policy issued by defendant United Services Automobile

Association. This appeal involves plaintiffs’ claims for insurance coverage for several

thefts from their home in December 2004, April 2005, and February 2006.

Plaintiffs appeal from a judgment entered on September 14, 2011, after an order

granting a summary judgment motion (MSJ) in favor of defendant. Plaintiffs are

representing themselves in propria persona. We have given full consideration to their

contentions and we affirm the judgment.

II

FACTUAL AND PROCEDURAL BACKGROUND

A. The August 2006 MSJ on the Original Complaint

The original verified complaint was filed individually by one plaintiff, Michael

Sanzaro, in November 2005. The original complaint involved a claim for losses

occurring from a burglary in April 2005. Defendant filed a general denial in January

2006.

Various proceedings occurred, which involved a proposed first and second

amended complaint. Finally, on June 6, 2006, according to the parties’ stipulation, the

court ordered that the original complaint was the operative complaint…