This case involves a homeowner whose son purchased a fire pit to use at the house during the summer. The pit was not attached to the property and was kept in a shed when it was not in use. The son and several friends went to the house and placed the fire pit on the deck and situated several chairs around it. One of the friends took a gasoline container from the shed to start the fire. He poured the gasoline into the pit and this caused a large flash of flames that severely burned three of the people who were present. The three people who were burned sued the homeowner for their injuries. The homeowner had an insurance policy that covered three other properties but that did not list the house where the injuries occurred as an “insured location” even though it was owned by the insured homeowner. The insurance company brought a lawsuit seeking a declaratory judgment that it had no duty to defend a claim based on bodily injury at this particular house.