Shicara owns a jewelry store. In exchange for a discount on her burglary insurance premium,she promises the insurer that her trained guard dog will be on the premises at all times,even when the store is closed. One evening she takes the dog home with her instead of leaving him at the store,and a burgler breaks in and steals everything. The insurance company finds out the dog wasn't in the store when the burglary happened,and denies the claim. WHY does the insurer do this?

Question

Quizplus · Accepted Answer

Shicara made a warranty that her trained guard dog would be on the premises at all times, even when the store is closed. By taking the dog home with her instead of leaving him at the store, Shicara breached the warranty, which is a promise that is fundamental to the contract. Therefore, the insurer denied the claim.

Shicara Owns a Jewelry Store