1. Insurance <©=>146(1) — All portions of policy to be.harmonized and given effect.

All parts of an insurance policy must, if possible, be harmonized and given effect.

2. Insurance <©=>150 — Effect of rider on printed clause stated.

Unless the rider on an insurance policy is irreconcilable with the printed clause, such clause must stand; but, if it is inconsistent and irreconcilable, the rider will control.

3. Insurance ®=>150 — Undeleted portions of policy' held in fore®, unless irreconcilable with rider.

Where an insurer, attaching a rider to a policy, deleted portions of the body of the policy and marked them “void,” it thereby expressed its intention that the undeleted portions should remain in force and constitute portions of its obligation, unless the rider was irreconcilable with them.

4. Insurance 15& — -Provision as to insurance against perils of the sea held not abrogated by rider.

A rider on a policy of marine insurance, providing that “this policy is to cover only as follows: Loss or damage caused by fire in accordance with * * * the regular California standard form of fire policy. * * * Loss or damage * * » 'through collision * * *» — held not to abrogate provisions in the body of the policy which included perils of the sea in the risks insured against.

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5. Insurance @=148(3) — Policy to be construed against company.

An insurance policy is the language of the company, and it is both reasonable and just that its own words should be construed most strongly against it.

6. Customs and usages @=17 — General understanding in particular business as to construction of unambiguous contract properly excluded.

Where an insurance contract was "neither ambiguous nor obscure, it spoke for itself, and evidence of the general understanding among those engaged in the marine insurance business and the shipping business that a rider superseded the terms of the policy and alone defined the risk was properly excluded.

7. Evidence @=441 (13) — Intention of parties as to risks insured against cannot be proved.

Where a provision in the body of marine insurance policies bearing riders included perils of the sea in the risks insured against, evidence that the agents of the insured and insurer agreed at the time of the application for insurance that the only risks intended to be insured against were fire and collision, specified in the rider, was properly excluded, since, if the contract failed to express the intention of the parties, the remedy was by suit to reform.

8. Insurance <@=273 — Warranty of seaworthiness not implied in time policy under English law.

By the English law and practice, no warranty that a vessel is seaworthy will be implied in a time policy of marine insurance.

9. Insurance @=403 — “Perils of the sea” need not be catastrophic under English law.

By the English law and practice, a “peril of the sea.” within the meaning of a marine insurance policy, need not be extraordinary, in the sense of being catastrophic or necessarily the result of uncommon causes; and severe storms, rough seas, and even fogs may be comprised in the perils of the sea.

[Ed. Note. — For other definitions, see Words and Phrases, First and Second Series, Perils of the Sea.]

Hunt, Circuit Judge, dissenting.

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