Kemmer v. Sunshine Mutual Insurance

Plaintiff was the owner of a farm located at the edge of Litchville in North Dakota. She lived in a house on that farm of which only the first story had been built. That was a basement story, four feet in the ground and four feet above the ground. The roof was fiat, covered with two layers of heavy roofing on boards plus two or three applications of heavy tar. The house was 32 x 40 ft., containing three bedrooms, a sitting room, kitchen and dining room combined, and a wash room. She had it completely furnished. On July 9, 1948, she took out an insurance policy in the defendant insurance…