Phoenix Insurance v. Hancock

Citations

• 123 Cal. 222
• 55 P. 905
• 1898 Cal. LEXIS 1017

Syllabus

<p>Fire Insurance—Property of Estate—Procurement of Policies— Heir—Liability for Premium.—Policies of fire insurance procured by an heir of a deceased person on buildings which were at the time of the insurance part of the estate of a deceased person, and which described the insured as being the estate of such person deceased, are sufficient to extend the protection of the insurance to the interest of the heir in the property, as well as that of the administratrix, and the heir is liable to an action for the recovery of the unpaid premium.</p> <p>Id.—Refusal op Administbatbix to Ratify Policies.—The heir could not bind the administratrix by procuring insurance for her without authority, but she could ratify his act, even after the occurrence of a loss; yet her failure or refusal to ratify the policies, and her act in declining any interest therein, could not impair their effect upon the interest of the heir or affect his liability for the premium.</p>