Sargent v. Mechanics Insurance

W. I. Sargent was the owner of a dwelling house in the city of Des Moines, Iowa, located at 1825 East Ninth street, consisting of seven rooms, including hath, three bedrooms upstairs, four rooms downstairs, and four rooms in the basement.

The appellant issued a fire insurance policy covering the property belonging to the appellee in the sum of $2,500, to which policy was attached what is known as a “Dwelling Inherent Explosion Clause”. The house was heated with a “Green furnace” which was located in the basement.

The appellee and the members of his family were away from home during the evening…