A. The Dongjak-gu Seoul Metropolitan Government ground reinforced concrete, cement brick structure, and housing (hereinafter “the instant building”) owned C, and the ownership of the instant building was transferred on January 13, 2012 to D, its spouse. Defendant A leased the instant building 2 and 3 from D with lease deposit amount of KRW 20 million, monthly rent of KRW 25 million, and KRW 2.5 million to operate E”.

B. (1) On February 25, 2011, the Plaintiff, an insurance business entity, concluded a fire insurance contract with the content that the instant building as the subject matter of insurance between C and C, the amount of insurance coverage of KRW 86 million, and the insurance period from February 25, 2011 to February 25, 2016 (hereinafter “instant 1 insurance”).

The damages secured by the insurance of this case are the expenses for fire damage, fire-fighting damage, escape damage and removal of remainder within the scope set forth in the terms and conditions, within the limit of the purchase amount of insurance.

Fidelity 1 Insurance was changed to D, the spouse, and the insured after C died on August 201 by August 201.

C. (1) On August 16, 2010, Defendant KF insurance Co., Ltd. (hereinafter “Defendant KF”) entered into a fire insurance contract with Defendant A with respect to the insurance coverage amounting to KRW 90 million for the two and three floors of the instant building (as to the house, KRW 30 million for the house, KRW 60 million for the facility, KRW 60 million for the facility), property, and other property (liability for the facility owner), and KRW 100 million for each unit of the building (hereinafter “instant two insurance contract”).

The fire damage as to the building, equipment, and facilities covered by the instant 2 insurance is also the expenses for fire damage, fire damage, escape damage, and removal of the prescribed residuals, to the extent of the purchase amount of insurance, and the property and other matters (Liability of the facility owner) arising from the performance of the duties according to the use of the facilities owned, used, or managed by the insured.