OPINION
SHEA, Justice.
At the time of the events which gave rise to this lawsuit, the plaintiffs, Alfred Korsak and his wife, Joyce (the Korsaks) were the occupants of a residence located on Cooper Road in Harmony, Rhode Island. They insured these premises and its contents under a homeowner's policy obtained from the defendant Prudential Property & Casualty Insurance Company (Prudential). This policy was in the statutory form set forth in G.L. 1956 ...
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