Reaper City Insurance v. Jones

One clause in the policy sued on, made it void if gunpowder was kept in the house without written permission; and it was further declared, that nothing less than a distinct agreement, indorsed on the policy, should be construed as a waiver of any condition or restriction.

The assured, at the time of the loss, had on hand a few pounds of gunpowder, kept with the knowledge and express permission of the agent of the company. A previous policy had been issued by the same agent upon the same property; all premiums had been paid upon both, and accepted by the company; and the agent knew that the…