The action was brought upon a fire insurance policy in the amount of $15,000, $12,500 of which was allocated to a frame dwelling and $2,500 to a private garage on the premises. The policy also provided: "The Insured may apply up to ten per cent (10%) of the amount specified for the principal Dwelling item to cover private structures appertaining to the described dwelling and located on the premises, but not structures used in whole or in part for mercantile, manufacturing...
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