Defendant purchased a farm in Washington County in October 1986. Plaintiff is a domestic corporation that sells insurance policies for New York Mutual Underwriters. On October 7, 1986, plaintiff issued a binder insuring defendant's farm against theft and other losses with New York Mutual. In accordance therewith, New York Mutual issued a three-year policy insuring defendant's farm with annual premiums to be paid on the effective date of each...
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