
    Harvey MUSKAT and Kerry Muskat, his wife, Appellants, v. HIGHLANDS INSURANCE COMPANY, Appellee.
    No. 94-2521.
    District Court of Appeal of Florida, Third District.
    May 31, 1995.
    
      Krongold, Bass & Todd and Paul Bass, Coral Gables, for appellants.
    Otero, Mullin & Tomlin and Tracy E. Tomlin, Coral Gables, for appellee.
    Taylor, Day & Rio and Vincent Rio, and Mark K. Delegal, Jacksonville, for State Farm Fire & Cas. Co., as amicus curiae.
    Before HUBBART, BASKIN and COPE, JJ.
   PER CURIAM.

Affirmed. Citizens Ins. Co. v. Barnes, 98 Fla. 933, 124 So. 722 (Fla.1929); State Farm Fire & Casualty Co. v. Metropolitan Dade County, 639 So.2d 63 (Fla. 3d DCA), review denied, 649 So.2d 234 (Fla.1994); Reliance Ins. Co. v. Harris, 503 So.2d 1321 (Fla. 1st DCA), review denied, 513 So.2d 1063 (Fla.1987); Regency Baptist Temple v. Insurance Co. of N. Am., 352 So.2d 1242 (Fla. 1st DCA 1977); Netherlands Ins. Co. v. Fowler, 181 So.2d 692 (Fla. 2d DCA 1966).  