FACTS: A new homeowner purchased a homeowners policy to provide coverage for damage to his house. The house was properly identified in the policy declarations by its street address and the premium was paid. The insured was transferred by his employer, however, and he had to move hisfamily to a new town. He still owned the insured house and checked on it from time to time, but neither he nor his family resided at the premises. When the house was damaged in a storm the insured filed a claim, but the insurer denied coverage because the house was not the insured’s residence premises when the loss occurred.