Counts III through VI were dismissed with prejudice. This appeal followed. We do not insure under any coverage for any loss which would not have occurred in the absence of one or more of the following excluded events. Stuart testified that he looked at the picture on the front of the brochure and, inside the brochure, at drawings of the different coverages provided by Homeowners Extra and the captions beneath them. The brochure contained a series of 35 captioned drawings depicting the coverages contained in the Homeowners Extra policy.
All coverages are subject to the exclusions and conditions in the policy itself.
Stuart was unsure if he had read that statement. Summary judgment is appropriate when the pleadings, depositions, and admissions on file, together with the affidavits, demonstrate that there exists no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. A court considering a summary judgment motion must construe the pleadings, depositions, admissions, and affidavits strictly against the moving party and liberally in favor of the nonmovant. 154 Ill. 2d at 102. On appeal, summary judgment rulings are given a de novo review.