The dictionary definition of "landslide" includes the movement of rock alone, so a reasonably objective insured would read the earth movement exclusion as excluding coverage for the event in the case above, as either a "landslide" or as "another earth movement." (Credit: sirtravelalot/Shutterstock.com) The dictionary definition of "landslide" includes the movement of rock alone, so a reasonably objective insured would read the earth movement exclusion as excluding coverage for the event in the case above, as either a "landslide" or as "another earth movement." (Credit: sirtravelalot/Shutterstock.com)

The U.S. Court of Appeals for the Tenth Circuit has decided that an insurance policy's earth movement exclusion barred coverage for damage caused to a home by large boulders rolling down from a hillside above the home.

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