Kofi and his household owned a house at East Legon

Kofi and his household owned a house at East Legon in Accra. The house was insured with a fire insurance policy issued by Star Assurance Company. On April 1, Kofi moved to Kumasi, however, his son Kwame remained in the East Legon house for an additional month. Thereafter, the house was rented to a tenant who lived in the house for the month of May. Kofi returned to the house irregularly, remaining overnight on July 4 and on a few other occasions. A few pieces of furniture remained in the home until August. On or about August 4, the home and its contents were destroyed by fire: 

Do you think Star Assurance should pay for the loss? Explain your reasons.

 

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