No. 21-2956 ___________________________

White Knight Diner, LLC; Larry Lee Hinds; Karen Freiner

Plaintiffs - Appellants

v.

Owners Insurance Company

Defendant - Appellee ____________

Appeal from United States District Court for the Eastern District of Missouri – St. Louis ____________

Submitted: September 21, 2022 Filed: June 6, 2023 ____________ Before SMITH, Chief Judge, KELLY and GRASZ, Circuit Judges. ____________ KELLY, Circuit Judge.

White Knight Diner, LLC, Larry Lee Hinds, and Karen Freiner (collectively, White Knight) appeal the decision of the district court 1 to grant summary judgment

1 The Honorable Matthew T. Schelp, United States District Judge for the Eastern District of Missouri. in favor of Owners Insurance Company (Owners