BOSTON - An insurance agent and an insured never discussed animal liability coverage under a homeowners insurance policy; therefore, their independent mistakes regarding such coverage were in no way mutual, the Massachusetts Supreme Judicial Court ruled Aug. 9, vacating and remanding a lower court's ruling against the insurer (Scott Caron, et al. vs. Horace Mann Insurance Co., No. SJC-11273, Mass. Sup.; 2013 Mass. LEXIS 690).