United States Court of Appeals For the Seventh Circuit ____________________

No. 19-3052 ZURICH AMERICAN INSURANCE COMPANY, et al., Plaintiffs-Appellees,

v. OCWEN FINANCIAL CORPORATION, et al., Defendants-Appellants. ____________________

Appeal from the United States District Court for the Northern District of Illinois, Eastern Division. No. 17 C 2873 — Charles P. Kocoras, Judge. ____________________

ARGUED OCTOBER 26, 2020 — DECIDED MARCH 12, 2021 ____________________

Before EASTERBROOK, ROVNER, and WOOD, Circuit Judges. WOOD, Circuit Judge. Thanks to the diversity jurisdiction, federal courts are often asked to decide questions of insurance coverage; state law almost always provides the rule of deci- sion in such cases. This is one of them. Zurich American In- surance sold a policy to Ocwen Financial, a debt-collection company. After a disgruntled consumer sued Ocwen, it ten- dered the dispute to Zurich, but Zurich asserted that