On January 2, 1981, defendant and third-party plaintiff, United States Fidelity and Guaranty Company (hereinafter USF&G), issued a policy of homeowner's insurance to plaintiff covering her residence in the City of Schenectady for a period of one year. There was a provision in the policy for coverage for theft of unscheduled personal property in the sum of $500, together with a scheduled personal property endorsement providing coverage...
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