g Suppose you own a jewelry store. In exchange for a discount on your burglary insurance premium, you promise the insurer that you will keep a trained guard dog on the premises at ALL times, even when the store is closed. You decide one evening to take the dog home with you (it's his birthday and you want to give him a night off) instead of leaving him in the store. A burglar breaks in and steals everything that night. The insurance company finds out the dog wasn't in the store when the burglary happened and denies your claim. WHY

The store's insurance company is right to deny the claim, provided it is written down in the insurance policy agreement between the store and the insurance company. The policy agreement requires the keeping of a trained guard dog on the premises at ALL times.

Explanation:

The violation of a policy condition can only be overlooked if it is not stated in the insurance agreement.  The promise to keep a trained guard dog on the premises is a policy condition.  Taking the dog home for a night violates that condition.  You could have brought a substitute dog on the night of the dog's birthday.  This way, it could have frustrated the burglar's efforts on the faithful day.

the assumption the narrator makes in this excerpt is that the messages he heards were going to hurt the narrator's mom; the narrator just springs in to action. the narrator doesn't specify in this excerpt why he believes that the messages present a problem that requires protection.