MEMORANDUM OPINION
REGAN, District Judge.
By this Court-tried case, Johnie Brown seeks to recover the proceeds of a Homeowners policy of insurance issued by defendant covering a one story and basement residence building at 4320 Farlin, St. Louis, Missouri, and the contents therein.
Unquestionably, at the time the policy was issued, on May 7, 1984, Johnie Brown was the owner of the Farlin property, and
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