Wutzke v. County Fire Insurance

February 11, 1930, defendant issued a three-year fire insurance policy to plaintiffs, covering $1,200 on farm dwelling house, $500 on household and personal effects therein, nothing on barn, $350 on horses and cows, and $300 on vehicles. The real estate was mortgaged to Charles Molter and the loss, if any, was made payable to him.

The mortgage was foreclosed by sale March 15, 1931. The period of redemption was one year. Plaintiffs did not redeem. But they continued to occupy the house as their dwelling as tenants of Molter. The household effects were destroyed by fire November 23, 1932, after…