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  5. 68 N.Y.2d 866 (1986)
 

SANABRIA v. AM. HOME ASSURANCE CO.

68 N.Y.2d 866 (1986)

Benjamin Sanabria et al., Respondents, v. American Home Assurance Company, Respondent, and Public Service Mutual Insurance Company, Appellant.

Court of Appeals of the State of New York.

Decided October 14, 1986.

Attorney(s) appearing for the Case

Arthur N. Seiff for appellant.

Steven J. Ahmuty, Jr., for American Home Assurance Company, respondent.

Gerald Orseck for Benjamin Sanabria and others, respondents.

William Rosen, County Attorney, for Muriel O'Connor, as Sullivan County Commissioner of Social Services, respondent.

Stephen L. Oppenheim, Village Attorney, for Village of Monticello, respondent.

Chief Judge WACHTLER and Judges SIMONS, KAYE, ALEXANDER, TITONE and HANCOCK, JR., concur in memorandum; Judge MEYER taking no part.

MEMORANDUM.

The order of the Appellate Division should be reversed, with costs, and all claims against Public Service Mutual Insurance Company dismissed.

"[C]ourts bear the responsibility of determining the rights or obligations of parties under insurance contracts based on the specific language of the policies" (State of New York v Home Indem. Co., 66 N.Y.2d 669, 671) and...

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