Farmers Mutual Equity Insurance Society v. Smith

*460Opinion of the Court by

William Rogers Clay, Commissioner

Affirming.

Plaintiff, Herbert Smith, was the owner of a frame dwelling house which was insured by defendant, Farmers Mutual Equity Insurance' Society, for the sum of $300. The policy which was to continue for a period of five years, contained the following provision:

“Insurance will not be carried upon unoccupied buildings unless covered by a vacancy permit, which will be granted only on the written application filed with the secretary for a period of thirty days, with privilege of one renewal. The amount of the insurance shall be reduced…