Jackson lived in an apartment with Miri, to whom he was not married. When he applied for homeowners insurance, the form asked their marital status. He checked the box that said “married.” Later, the apartment was robbed, and Jackson filed a claim with his insurance company. When the company discovered that Jackson and Miri were not married, it refused to pay the claim on the grounds that he had made a material misrepresentation. Jackson argued that the misrepresentation was not material because the insurance company would have issued the policy no matter how he answered that question. Is Jackson’s policy valid?