Prickett v. Royal Ins. Co. Ltd.

This is an appeal by plaintiffs Gene and Virginia Priekett from a judgment in favor of defendant Royal Insurance Company in an action for a declaration of liability under an insurance policy.

In April of 1957, the Pricketts purchased a residence constructed five years earlier in San Pedro, acquiring as part of the purchase an insurance policy which had been carried by their vendors. The policy, written by the defendant insurance company, was a “comprehensive dwelling policy” which insured the home against “all risks of physical loss” except those losses specifically excluded from coverage.…