Caron v. Horace Mann Insurance

The written homeowner’s insurance policy at issue here had an over-all coverage limit of $500,000, but also contained an “animal liability” indorsement that limited coverage to $25,000 per occurrence for claims arising from animal *219bites. The question before us is whether, on the ground of mutual mistake, the policy should be reformed by striking that indorsement. It is undisputed that both the insurance company’s agent and the homeowner mistakenly believed that the policy did not contain such a limitation of liability, but that neither conveyed her mistaken belief to the other. We conclude…