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Opponents of the bill argue no insurance company will cover the misuse of a firearm, and that insurance requirements are an illegal infringement on gun owners' constitutional rights.

The lawsuit contends, in part, that the restrictions violate First Amendment rights as they deal with issues such as advertising and being able to advise homeowners about insurance coverage.

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The Supreme Court complied with recommendations from the Solicitor General in declining to consider the medical marijuana reimbursement case.

Zurich denied the plaintiffs' claim because they had not suffered "physical loss or damage to" their buildings, the opinion said.