Plaintiffs mortgaged their residential premises located on Nestle Road in the Town of Minden, County of Montgomery, to defendant Central National Bank, Canajoharie (hereinafter bank), and pursuant to the mortgage they were required to insure the residence against loss by fire. In November of 1976, however, a policy issued by Commercial Mutual Insurance Company providing such coverage was canceled, and when plaintiffs could not immediately obtain a replacement policy the mortgagee...
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