FARM BUREAU TOWN AND COUNTRY INSURANCE COMPANY OF MISSOURI and JESSE CLARK, JOSEPH WEBB, and BOBBETTE WEBB Missouri Cases

Lana Sloan appealed from a summary judgment in favor of Farm Bureau Town and Country Insurance Company of Missouri. Sloan sought medical payments coverage under a policy held by Joseph Webb after she was bitten by a dog owned by Webb's tenant, Jesse Clark, while on a public roadway adjacent to the insured premises. The circuit court granted summary judgment to Farm Bureau, finding the dog was not a "condition on the insured premises" as required for coverage. The appellate court affirmed, concluding that the policy language, consistent with common understanding and prior case law, does not include mobile property like a dog as a condition on the premises.