BACON, J.
The facts are: Ted and Sabina Sykes, for a premium of $168, had in force for three years commencing June 13, 1967, a "home owners" policy. It "covered" the dwelling for $20,000, other structures $2,000, personal property $8,000, for risks of "fire and extended hazards," living expenses $4,000 in event of disaster.
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