Edith and John Villarrubia appeal the district court’s grant of summary judgment to Encompass Indemnity Company on the Villarrubias’ insurance claim. After thoroughly reviewing the record and considering the arguments presented both in the briefs and at oral argument, our de novo review convinces us that the district court correctly decided the summary judgment motion in all particulars. Accordingly, we affirm the judgment of the district court essentially for the reasons stated in its Order and Reasons for Summary Judgment issued May 18, 2011.

AFFIRMED.