After a lengthy investigation, State Auto agreed to provide coverage for the contents of the house, as the policy covered personal property “anywhere in the world.” However, State Auto denied coverage for damage to the house itself on the basis that “the home at 109 W. The Schuchmans filed a claim with State Auto under their homeowner’s insurance policy to cover the damage to the house. In the early hours of May 23, 2010, a fire broke out at the 109 West 14th Street house, severely damaging the building and its contents. Schuchman that, so long as the Schuchmans continued to reside on the property, the house at 109 West 14th Street would continue to be covered by the State Auto policy. Schuchman that the mobile homes would not be covered by the State Auto policy because State Auto did not insure mobile homes.

The Schuchmans then moved from the house at 109 West 14th Street into these new mobile homes. Sometime before 2004, the Schuchmans moved two additional mobile homes onto the property near the mobile home bearing the 1408 Madison Avenue address these new trailers shared the 1408 Madison address. The application listed 1408 Madison Avenue as the Schuchmans’ mailing address and 109 West 14th Street as the location of the property to be insured. On September 8, 2000, the Schuchmans submitted an application for homeowner’s insurance to State Auto through an insurance broker, Michael Wethington. Separate title searches for 1408 Madison Avenue and 109 West 14th Street both return the same tract of eight contiguous lots owned by the Schuchmans. The Schuchmans pay property tax based on the parcel as a whole. The house was assigned the address, “109 West 14th Street.” One mobile home was assigned “1406 Madison Avenue, ” and the other “1408 Madison Avenue.” So far as the record reflects, the Schuchmans had nothing to do with the assignment of these addresses. These mobile homes were together assigned a single mailing address, “Rural Route #2.” Sometime before 1993, however, the house and mobile homes were each assigned new mailing, or street, addresses. Schuchman moved two mobile homes onto the property-one for her mother and the other for her stepfather. At this time, the house had the mailing address, “Rural Route #1.” In 1983, she married Norman Schuchman, who subsequently moved into the house with her. Schuchman moved into this house after purchasing the property. Schuchman purchased the parcel, a single house was situated on the southern end of the property facing West 14th Street and the parcel’s southern boundary. The parcel is situated at the corner of West 14th Street and Madison Avenue. The parcel was, and is, a contiguous tract of land consisting of eight lots, Numbers 9 through 16, of Block 45 of Junction City. On November 10, 1980, Glenna (née Reed) Schuchman purchased a parcel of land in Junction City, Illinois. ), the Seventh Circuit resolved the issue. After a lengthy investigation, however, State Auto denied the Schuchmans’ claim on the basis that the Schuchmans were not residing on the “residence premises, ” as that term is defined by the policy, and because the Schuchmans were maintaining a residence other than at the “residence premises,” in violation of the policy’s Special Provisions.

Almost ten years later, a fire severely damaged the insured house and the Schuchmans asserted a claim against the homeowner’s policy State Auto had issued.

In September 2000, Norman and Glenna Schuchman purchased homeowner’s insurance from State Auto Property and Casualty Insurance Company (“State Auto”) to insure a residence in Junction City, Illinois.

Define metes and bounds