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MEMORANDUM AND ORDER On February 7, 2023, Plaintiffs Faramarz Hedvat and Katrin Hedvat (collectively, “Plaintiffs”) filed this breach of contract action against Defendant Chubb National Insurance Company (“Defendant”) in New York Supreme Court, Nassau County, Index Number 6022259/2023, alleging it failed to pay an insurance claim submitted by Plaintiffs pursuant to an insurance policy Plaintiffs had with Defendant. On June 2, 2023, Defendant properly removed the action to this Court, invoking this Court’s diversity jurisdiction pursuant to 28 U.S.C. §1332(a). See, Removal Notice (“Notice”), Dkt. Entry No. 1 5. On June 22, 2023, Plaintiffs filed their Complaint with the Court. See, Compl., Dkt. Entry No. 10. Defendant moved to dismiss the Complaint (“Motion”) for failure to state a claim pursuant to Federal Rule of Civil Procedure Rule 12(b)(6) (“Rule 12(b)(6)”). See, Mot., Dkt. Entry No. 14. Plaintiffs opposed. See, Pls.’ Opp. to Mot. (“Opp.”), Dkt. Entry No. 18. Defendant replied. See, Def.’s Reply (“Reply”), Dkt. Entry No. 20. For the reasons set forth below, Defendant’s motion is granted with prejudice. BACKGROUND1 I. The Insurance Policy At all times pertinent to this action, Plaintiffs were owners and residents of the premises at 7 Kennilworth Terrace, Kings Point, NY 11024. Compl.

1-2; Mot. at 2. Plaintiffs maintained an insurance policy (the “Policy”) through Defendant effective from September 8, 2021, through September 8, 2022 that provided property coverage up to $9,469,000. Compl.

 
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