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Robert Stone v. Concord General Mutual Insurance Company

Held June 26, 2012 – Docket No. INS-12-2049
Decision Issued:  July 16, 2012

The named insured requested a hearing to contest the nonrenewal of his homeowners insurance policy due to the insured property being no longer owner occupied.  The record established that the insured property is no longer the primary residence and the insured lives in another state.

Held: For the company. 24-A M.R.S. § 3051 permits nonrenewal if the reason is in good faith and related to the insurability of the property. The company demonstrated that the lack of regular occupancy of home increases the risk of loss under the policy.