Plaintiffs purchased a policy of fire insurance from the defendant covering their dwelling in High Falls, Ulster County, New York. The contract ran for a period of three years, commencing September 5, 1977, and the premium was payable in annual installments of $245. Plaintiffs paid the first year's premium. In September of 1978 the agent servicing the policy mailed an invoice to the Gannon residence which included the amount then due for the...
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