081986P.pdf   06/18/2009  Donald Babinski  v.  American Family Insurance
   U.S. Court of Appeals Case No:  08-1986
   U.S. District Court for the District of Minnesota - Minneapolis   
   [PUBLISHED] [Shepherd, Author, with Colloton, Circuit Judge, and
   Goldberg, Court of International Trade]
   Civil Case - Diversity. District court erred in granting summary
   judgment to policy holder, on claim insurance policy obligated insurer to
   indemnify insured up to $1,000,000 policy limit. Policy's household
   drop-down exclusion limits to the minimum amount required by state law
   is not ambiguous simply because the exact amount of the coverage is not
   contained in the policy's four corners. Minnesota's doctrine of reasonable
   expectations does not apply, and the exclusion is not per se unenforceable
   under Minnesota law. Judge Goldberg dissents on issue of ambiguity of
   step-down provision.