Kessler v. Government Employees Insurance

Plaintiff purchased a policy of insurance on or about April 29, 1988. The policy was denominated as a "fire policy” and the coverage period was 4/29/88 to 4/29/89. The insured on the policy was listed as the plaintiff at his home address, 54 Larch Hill Rd. Lawrence N. Y. 11559-1926, and the covered premises was described as "nassau county inwood fd 157 davids ave inwood ny 11696”. The policy insured the premises against fire loss and other stated perils. It is not disputed that at the time the policy was issued plaintiff held a mortgage on the premises which was in default. The mortgage was…