policies’ language to reach a different result. See Columbia Heights Motors v. Allstate Ins. Co., 275 N.W.2d 32, 36 (Minn.1979) (cautioning against the invitation to create ambiguities where none exist). Therefore, we reverse the court of appeals and reinstate the judgment of the district court. Reversed. 1 . Michael Miller was charged with 26 counts of second-degree criminal sexual conduct and one count of fourth-degree criminal sexual conduct. On August 21, 1996, Miller pleaded guilty to five counts of second-degree criminal sexual conduct. Miller admitted he "intentionally engaged in sexual contact with [B.M.F].” Miller was sentenced to 65 months in prison. 2 . In a Miller-Shugart settlement the insured, having been denied any coverage for a claim by the in 78, 881 (8th Cir.1996) (<HOLDING>). Because we hold that the plain language of
holding that intentional acts exclusion applies to intentional act of child molestation holding that homeowners policy precluded coverage for injuries resulting from intentional acts holding that a schools excess policy was primary over a students homeowners policy for injuries to the student during physical education class holding that liability insurance policy that expressly excluded coverage for the insureds intentional acts did not cover punitive damages award assessed against the insured and stating in dictum that public policy forbids insurance coverage for punitive damages holding that homeowners policy excluded coverage because atv accident on private roadway in homeowners association occurred away from the insured premises