Plaintiffs Harry Kradjian and Jacqueline Kradjian (hereinafter collectively referred to as the Kradjians) own a home in Broome County and are the named insureds on a homeowners policy issued by defendant. Under the terms of the policy, an "insured" includes the named insured and "residents of [the named insured's] household who are [relatives]", and the policy provides coverage for "personal property owned or used by an insured while it is...
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