KANSAS CITY, Mo. - An unborn child resided with her mother in the household of the baby's father, a Missouri appeals panel ruled March 13, affirming a lower court's ruling that coverage for the baby's wrongful death is precluded by a homeowners insurance policy's "household resident exclusion" (Fire Insurance Exchange v. Caleb Horner, et al., No.WD73902 c/w No. WD73903, Mo. App., Western Dist., Div. 3; 2012 Mo. App. LEXIS 310).