Skip Maine state header navigation
Skip All Navigation
|Home | Contact Us | Careers | Calendar|
Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal Docket No. INS 05-2067 Decision
Lisa Stevens v. Metropolitan Property & Casualty Insurance
The insured requested a hearing following receipt of a notice of homeowners
insurance nonrenewal citing lack of owner occupancy as the reason for
nonrenewal. At hearing, the company testified that the insured no longer
resides on the premises but the policy is written to cover an owner-occupied
exposure. The insured did not appear at the hearing either in person
or by statement.
The evidence indicates that the property is solely tenant occupied. The coverages and corresponding premiums associated with homeowners policies are based upon exposures common to dwellings in which the owner resides and differ from policies insuring tenant-only occupied properties. The fact that the home is no longer owner-occupied is a good faith reason that is related to the insurability of the property.
Last Updated: August 22, 2012
|Copyright © 2006 All rights reserved.|