Case ID: ky-op_10/html/0559-02.html
Source: Caselaw Access Project
Author: {"author": "Judge Hines :", "license": "Public Domain", "url": "https://static.case.law/"}
Date Created: 2024-08-24T03:29:51.129683

B. F. Suggs v. Liverpool and London and Globe Ins. Co.
    Fire Insurance Policy.
    Where it is stipulated in a fire insurance policy that no additional insurance in any other company shall be carried on the property insured, and that if such additional insurance shall be procured without the consent of the company the first policy shall be void and the insured obtains such other policy without such consent, such policy is void.
    APPEAL FROM BOURBON CIRCUIT COURT.
    March 27, 1880.
    
      
      R. I. Page, for appellant.
    
    
      G. C. Lockhart, for appellee.
    
   Opinion by

Judge Hines :

The policy of the insurance sought to be recovered upon and issued by appellee stipulates against additional insurance in any other company, and provides that, if such other insurance is obtained without the consent of appellee, the policy shall be void. In violation of this stipulation, appellant obtained insurance in another company on the same property. The policy issued on the last insurance stipulates against prior insurance, and provides that it shall be void in case such insurance had been obtained, and the fact not made known to the insurer. Appellant contends that the last insurance was absolutely void, and left the first in full force. He is wrong in any aspect of the case. First, the second insurance was not void, but .voidable only .at the option of the insurer. (Baer v. Phoenix Ins. Co., 4 Bush 242). Second, if it was void ab initio, that fact would not-relieve the appellant from a forfeiture resulting from the violation of the stipulation in the first policy against additional insurance.

Judgment affirmed.