MR. JUSTICE CLIFFORD delivered the opinion of the court.
Policies of fire insurance are contracts whereby the insurers undertake for a stipulated sum to indemnify the insured against loss or damage by fire, in respect to the property covered by the policy, during the prescribed period of time, to an amount not exceeding the sum specified in the written contract. Angell, Fire and Life Ins. 43.
Insurance was effected by the plaintiffs, on the 9th of May, 1870...
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