Following the Merenoff v. Merenoff, 76 N.J. 535, 388 A.2d 951 (1978) case, this court held that the exclusion from coverage of intra-family torts in a homeowner's policy was not void as against public policy. Foley v. Foley, 173 N.J. Super. 256, 414 A.2d 34 (App.Div.1980). We reasoned that there is no public policy that requires a homeowner to obtain an insurance policy protecting him/her against actions that might be brought against him/her by anybody. Id. at 259, 414 A.2d 34. See also Horesh v. State Farm Fire & Cas. Co., 265 N.J. Super. 32, 36-37, 625 A.2d 541 (App.Div.1993) (following Foley, supra, and validating a similar exclusionary clause applying to resident relatives of the insured).