SPAIN, J.
In May 2000, defendant George E. Perkins applied to plaintiff for a homeowners' insurance policy to insure a residence he was purchasing in the City of Schenectady, Schenectady County. The application asked whether Perkins had "any animals or exotic pets" and, although he owned a dog, he responded "no." Some two years later, defendant Peter Vrochopoulos (hereinafter defendant) visited the home, and the dog—a German Shepherd/ Pit Bull mix—bit...
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