Brown v. Hanover Insurance Co.

We reverse a final summary judgment entered in favor of the insurer, Hanover, in this suit claiming insurance coverage for a boat. Hanover denies receipt of the initial premium and asserts that the policy became void prior to the date of Appellants’ loss. The insureds claim that the premium’ was placed in the mail one day prior to the due date.

The Appellants purchased the boat on May 10, 1997. The declaration page of the insurance policy provided that the premium was due on May 23, 1997, and more specifically provided, in a box titled important instructions, “Premium payment must be…