Savage

By stipulation of the respective parties the two above-entitled actions, tried jointly, were consolidated on appeal. Both actions concern contracts of insurance. Respondents A. J. Savage and Helen M. Savage, husband and wife, were engaged in the gun manufacturing business at La Mesa in San Diego County under the fictitious name of Middlefield Arms Corporation. On or about March 16, 1928, appellant Pacific Fire Insurance Company, through its duly authorized agent in San Diego, M. G. White, issued a policy of fire insurance 'to respondents covering certain merchandise, gun machinery, tools, materials and parts manufactured or in the process of manufacturing in respondents’ manufacturing plant. Appellant Norwich Union Fire Insurance Society on April 19, 1928, through its duly authorized agent in San Diego, M. G. White, issued to respondent a policy of fire insurance covering the frame factory building fixtures, office and workshop furniture and equipment. At noon on April 30, 1928, a fire destroyed the building and major portion of the personal property therein. According to the evidence, A. J. Savage immediately notified the insurance agent White, who said: “All right, I’ll take…