We have before us the related appeals and cross-appeals in an insurance-coverage dispute between the Western Heritage Insurance Company (“Western Heritage”) and the guardians of Paul Blevins and Blevins’s children (“Blevins”). We have carefully reviewed the record and the parties’ briefs, and we have had the benefit of oral argument. We now affirm the district court’s orders in all respects for the reasons articulated by the district court in its orders.

AFFIRMED.