Heikes v. Farm Bureau Insurance Company of Neb.

The district court reformed a multiple-line policy of insurance to provide fire coverage on potatoes in storage. Plaintiff, whose potatoes in storage had been destroyed by fire, was also awarded the amount of the loss under his reformed policy. The issue on appeal is the responsibility of defendant insurer for misrepresentations by its soliciting agent.

The policy, known as the Country Squire, has twelve pages. The boxed section shows a premium charge of $75 for “Blanket Farm Personal Property Coverage D” with a $25,000 limit of liability. On page 3 the heading “Description of Property * * *…