Bassi

This is an appeal by the defendant from a judgment against it for fifteen thousand dollars upon two policies of fire insurance.

The facts as found by the court are: On November 28, 1920, and for more than four years prior thereto, the plaintiff was engaged in the business of selling and buying new and second-hand goods, wares, and merchandise, consisting of household goods, men’s furnishings, etc., at the city of Calexico, county of Imperial, California. On March 6, 1920, the defendant issued and delivered to plaintiff a certain policy of fire insurance in the amount of twelve thousand five hundred dollars, covering said stock of merchandise. On May 7, 1920, defendant issued and delivered to plaintiff another policy covering the same property and in the amount of two thousand five hundred dollars. Plaintiff paid the respective premiums upon said policies as the policies were delivered to him. At the time of the issuance of said policies, and at the time of the fire which occurred later, the personal property covered by the said policies was contained in a certain brick building in the city of Calexico and said property was solely and exclusively owned by plaintiff and was of the…