Greenway v. North Carolina Farm Bureau Mutual Insurance

CLARK, Judge.

The first issue raised by this appeal is whether “Unprotected Dwelling Endorsement A,” providing for reduction of coverage by 25% if there were not a telephone upon the premises, was unenforceable. Plaintiffs first attack endorsement “A” on the ground that it is restrictive of the coverage provided in the standard fire insurance policy (G.S. 58-176), and therefore violates G.S. 58-177(3), which provides in pertinent part:

“A company may write or print upon the margin or across the face of a policy, in unused spaces or upon separate slips or riders to be attached thereto,…