Sara Jane Davidson v. Tom Davidson, et al.

Husband, a farmer, and wife, a teacher, married in 1992. In 1993 or 1994, they purchased an eighteen acre parcel of real property located in Newbern, Dyer County, Tennessee. In 1995, the couple secured an insurance policy from Tennessee Farmers Mutual Insurance Company through their local Farm Bureau agent. The policy covered husband’s farming operation and the house under one policy. In 2001, husband andwife separated. The couple renewed the insurance policy annually,
and the most recent renewal was set to expire on February 22, 2003. Prior to the ending date of the policy, and during the couple’s separation, the insurance company sent insurance premium notices
to a post office box established by Husband. Husband decided not to renew the policy. Accordingly, the insurance company maintained that the policy expired on February 22, 2003 due to the nonpayment of the premium. On May 4, 2003, a tornado severely damaged the home, which the wife occupied at the time. The insurance company refused to cover the damage. The wife subsequently filed a lawsuit against her husband, the insurance company, the local agent, and others.  The agent and the insurance company moved for summary judgment, which the trial court granted.  We affirm the trial court’s grant of summary judgment to the agent. We reverse the trial court’s grant of summary judgment to the insurance company, and we hold that a genuine issue of material fact exists as to whether an insurance policy covered the home on the date of the injury complained of.