(November 9, 2018, 9:39 AM EST) -- NEW YORK — A New York justice on Oct. 30 found that a homeowners insurer has no duty to defend or indemnify its insured against an underlying negligence lawsuit arising from a drowning death, finding that the insurer demonstrated that the insured did not reside at the premises at the time of the incident as required under the policy (Tower Insurance Company of New York v. Laura E. Kreft, et al., No. 158967/2016, N.Y. Sup., New York Co., 2018 N.Y. Misc. LEXIS...