Cisar, et al. v. Slyter, et al., 812 N.W.2d 151 (Minn. Ct. App. 2011)

(plaintiffs' home destroyed by fire and insured by defendant; plaintiffs brought action more than two years after fire loss; plaintiffs claim that state (MN) law provides for two-year statute of limitations, but insurance contract specified one-year statute of limitations; trial court held that because defendant is a township mutual fire insurance company it is exempt from two-year statutory requirement; appellate court held that to extent policy is homeowner policy it is subject to two-year requirement; "dwelling coverage" portion of plaintiffs' farm combination package is homeowner's insurance).

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