Foremost Insurance Company Grand Rapids Michigan v. Allstate Insurance Company

I. BACKGROUND

In the literary world, authors and readers alike are fascinated by the question of “who done it?” This Motion arises out of a possibly more interesting question, “who will insure it?” Foremost is a Michigan Corporation that insured Margo and Jurek Kedzierski’s (the “Kedzierskis”) property in Big Bear Lake, California. [Dkt. 1-1 at 3]. At an unspecified date, the Kedzierskis entered a “property management agreement” with Destination Big Bear. Id. at 4. Destination Big Bear then placed the Kedzierskis’ property on Airbnb’s website to facilitate the renting of the Kedzierskis’ property. Id. According to the Complaint, Defendant Allstate Insurance Company (“Allstate”) provides a liability policy to Airbnb which in turn covers those who use Airbnb to rent their properties. [Dkt. 1-1 at 2]. Importantly, Page 1 of 4 CIVIL MINUTES—GENERAL Initials of Deputy Clerk iv Fworirtetmeno sspt ecclaifiimcasl iltys tpoo ilnicsyu ries e“xecxecsess so voevre rth oet hliemr ivtas ltihda itn aspupralyn cteo ethxicse ppot liincsyu.r”a nIcde. at 3. In August 2020, a third party, Armen Petrosyan, fell off a defective chair at the Kedzierskis’ Big Bear Lake property. …