Kohnen v. Wisconsin Mutual Insurance

Wisconsin Mutual Insurance Company appeals a judgment requiring it to pay its fire insurance policy limits to Michael Kohnen, its insured, for the total fire loss of his cottage. It claims that Kohnen’s past ren tal of his cottage makes Wisconsin’s valued policy law, sec. 632.05(2), Stats., 1 inapplicable. Because the trial court correctly concluded that Kohnen’s past rental of his cottage did not deprive him of the benefits of sec. 632.05 (2), we affirm the judgment.

Section 632.05(2) requires an insurer to pay its policy limits to an insured whose owned and occupied dwelling is totally…