Farmers Insurance v. St. Paul Fire & Marine Insurance

Farmers Insurance Company of Oregon (Farmers) sued St. Paul Fire and Marine Insurance Company (St. Paul) for contribution to paying a fire loss covered by Farmers. The stipulated facts are that Curtis Spotts sold a house to Kent Brand on a land sale contract that required Brand to insure the property by a fire insurance policy naming Spotts as payee. Brand obtained such a policy from Farmers. The seller, Spotts, independently insured the premises with St. Paul. This policy did not and was not intended to insure the buyer, Brand, and he did not know about it. After the house suffered fire…