Glens Falls Insurance Company v. Vetrano

WERLEIN, Justice.

Glens Falls Insurance Company appeals from a judgment in the sum of $250 recovered by appellee for the death of a Labrador Retriever, under a comprehensive dwelling insurance policy issued by appellant. The policy contains a “Physical Damage to Property Endorsement” which provides that appellant will pay for damage or destruction of property of others caused by the insured, the actual cash value of the property not to exceed the sum of $250.

The insurance coverage provided in said endorsement does not apply: (b) to loss arising out of the ownership, maintenance, operation,…