People v. Ferguson CA4/3

FACTS AND PROCEDURAL HISTORY

Sultana and her husband Gary (collectively, Fergusons) lived on a horse ranch they owned in Temecula, California. In 1998, the couple moved to Arizona when an Arabian horse ranch hired Gary to be its head trainer. Rather than sell their Temecula ranch, the Fergusons rented the fully-furnished property to tenants. In 2002, the couple returned to California after Gary’s contract ended, but they moved into another property they owned. In mid-2004, the Fergusons again moved out of California, this time to Texas to be closer to their family. The Chavez family rented the Temecula ranch at the time the Fergusons moved to Texas, but the Chavezes vacated the property at the end of September 2004. Sultana insured the Temecula ranch under a policy she purchased from Great American in August 2004. The policy named Sultana as the insured and listed Gary as an additional insured. In early November 2004, an electrical fire at the Temecula

3 ranch burned the residence to the ground. Sultana reported the fire to Great American and submitted a claim for loss of the residential structure, all furnishings and personal property in the residence, and the rental income…