Prior to 1984, plaintiff obtained fire insurance for real estate he owned in the Town of Woodstock, Ulster County, from defendant Helsmoortel-Thornton Agency, Inc. (hereinafter the agency). The policy, which was renewed several times, was issued by Aetna Fire Underwriters Insurance Company (now defendant CIGNA Fire Underwriters Insurance Company, hereinafter CIGNA). In the fall of 1985, CIGNA sent to plaintiff, at the Woodstock mailing...
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