The Sixth Circuit affirmed the decision of the Northern District Ohio, finding that a homeowner's insurance policy did not cover sexual battery committed by the homeowner. The policy indemnified the homeowners if they would be sued for bodily injury. The definition of bodily injury specifically excluded emotional distress, humiliation and mental anguish. Bodily injury was defined as, "physical injury, sickness or disease." The court found that physical contact did not constitute physical injury, and neither did the physical symptoms of emotion distress. Moreover, the insurance policy precluded recovery for "willful and malicious acts." State Farm Fire and Casualty Co. v. Wilson, Sixth Circuit Case No. 04-4263, 04-4264, October 7, 2005.