How Much Each Year Can You Afford Losses Incurred As A Result Of Loss Of Earnings. /> The general feeling is that marijuana is legal and that legal amounts should be covered unless a policy specifically excludes it, he wrote, adding that it remains to be seen if insurers will try to introduce exclusions. He recommends that insurers clearly express their intent regarding marijuana in all homeowners and dwelling forms. It is easy to see that ambiguity in current policy language opens the door for many potential issues, he stated. Johnston said insurers should be most concerned about the potential for larger losses like home or building fires related to marijuana use or production. Court Cases There are only a handful of court cases thus far to provide guidance on marijuana-related claims. Johnston provided summaries of somekey cases. In a 2013 case (Tracy v. USAA), the claimant in Hawaii wanted USAA Insurance to pay $45,000 for the loss of 12 legal medical marijuana plants stolen from her home. The policyholder cited the trees, shrubs and other plants clause. But USAA got the federal district court to agree that the plants are illegal under federal law and thus not covered In 2013, Nationwide Insurance paid a $160,000 claim by a Michigan homeowner policyholder whose house burned down. Several months later, the insurer sought to recover the money (Nationwide v.

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