The court granted the insurer’s and the mortgagee’s motions to dismiss the homeowner’s claims for breach of contract, bad faith and breach of fiduciary duty. Morris v. Standard Guar. Ins. Co., et al., 2026 U.S. Dist. LEXIS 12354 (N.D. Okla. Jan. 23, 2026).

PHH Mortgage Corporation was Plaintiff Sidney Morris’ mortgagee. The mortgage required plaintiff to obtain insurance on the property or the lender could do so on his behalf. PHH purchased a homeowner’s policy from Standard Guaranty on plaintiff’s behalf. Plaintiff asserted he was a third-party beneficiary to the policy and paid monthly premiums.