Rules for interpretation of an insurance policy are stated and applied. In an action for damages under a homeowner's insurance policy for the negligent misrepresentations of sellers as to the condition of their insured property, it is held there was no coverage because the damages were caused by termites, not the insureds' negligent misrepresentations.
Damages resulting from negligent misrepresentation are economic rather than property damages.
Opinion filed May 28, 1999. Bush appeals from the district court's determination that certain policy exclusions precluded coverage. The interpretation and construction of an insurance policy is a question of law over which we may exercise unlimited review. First Financial Ins. Insurance policies must be construed according to the sense and meaning of the terms used, and if the language is clear and unambiguous, it must be taken in its plain, ordinary, and popular sense.