Reid v. Hardware Mutual Insurance Co. of the Carolinas
South Carolina Supreme Court
252 S.C. 339, 166 S.E.2d 317 (1969)
In May 1964, Zelphia and W.C. Reid (collectively, the Reids) (plaintiffs) lived in a house in South Carolina. At that time, the Reids purchased a fire insurance policy on the house from Hardware Mutual Insurance Company of the Carolinas (Hardware Mutual) (defendant). The insurance contract described the house as an owner-occupied, single-family dwelling. Subsequently, the Reids moved out of the house and rented the house to a tenant. During the tenancy, the house was damaged by fire. The Reids submitted an insurance claim to Hardware Mutual, but Hardware Mutual declined coverage on the ground that the house was not owner occupied at the time of the fire. The Reids sued Hardware Mutual for coverage, and the trial court entered judgment in favor of the Reids. Hardware Mutual appealed.
Rule of Law
Holding and Reasoning (Moss, C.J.)
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