Niagara Fire Insurance v. DeGraff
Michigan Supreme Court
Error to Lenawee Circuit. The plaintiffs in error insured DeGraff “ against loss or damage by fire to the amount of $1,500, as follows: $500 on dry goods contained in the wood building occupied by assured; $200 on groceries; $100 on hardware; •$100 on boots and shoes; $50 [on crockery; $50 on hats and caps; all contained in the wood store on south side of Main street, village of Palmyra; $500'on dwelling house.”
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Error to Lenawee Circuit. The plaintiffs in error insured DeGraff “ against loss or damage by fire to the amount of $1,500, as follows: $500 on dry goods contained in the wood building occupied by assured; $200 on groceries; $100 on hardware; •$100 on boots and shoes; $50 [on crockery; $50 on hats and caps; all contained in the wood store on south side of Main street, village of Palmyra; $500'on dwelling house.” The policy provided that if the premises “shall be used for the purpose of carrying on therein any trade or occupation, or for storing or keeping therein any articles, goods or…
1Opinion of the Court
Campbell J.:
Plaintiffs in error insured DeGraff upon his stock of goods, described in his application as a “stock of dry goods, groceries, &c.,’’- dividing the risk into specific sums on dry goods, groceries, hardware and other things specifically mentioned. There was evidence tending to show that he had in his store a few bottles of spirituous liquors, and a barrel of alcohol. Alcohol was among the articles mentioned in the second class of hazards in the second sub-division of extra hazards. Grocers’ stocks generally were in the first sub - division of the same class. Bottled spirituous…
2Cases cited9 opinions
- Armstrong v. TolerSupreme Court of the United States · 1826
- Harper v. . the Albany Mutual Insurance CompanyNew York Court of Appeals · 1858
- Harper v. . New York City Insurance CompanyNew York Court of Appeals · 1860
- Ocean Insurance v. PolleysSupreme Court of the United States · 1839
- Delonguemare v. Tradesmen's InsuranceThe Superior Court of New York City · 1829
4 more not listed; retrieve them via the Exa API.
3Cited by21 opinions
- Westchester Fire Insurance v. EarleMichigan Supreme Court · 1876
- Phenix Insurance v. ClaySupreme Court of Georgia · 1897
- Erb v. German-American InsuranceSupreme Court of Iowa · 1897
- Carrigan v. Lycoming Fire InsuranceSupreme Court of Vermont · 1881
- Renshaw v. Missouri State Mutual Fire & Marine InsuranceSupreme Court of Missouri · 1890
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