DECISION and ORDER
MYRON L. GORDON, District Judge.
On March 4, 1998, the plaintiffs, The Continental Insurance Company ["Continental"] and National-Ben Franklin Insurance Company of Illinois ["Ben Franklin"], started this action seeking a declaration as to their rights under a policy of insurance issued to the defendants, Jeffrey and Christie Garrison ["the Garrisons"] to cover their 50' steel hull sailboat.
The original policy was issued by Continental...
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