Ralph Ramsey insured his car with Allstate Insurnace Co. He also owned a house on which he maintained a homeowner's insurnace policy with Allstate. Bank of America had a mortgage on the house and paid the insurnace premiums on the homeowner's policy from Ralph's account. After Ralpd died, Allstate cancelled the car insurance. Ralph's son, douglas, inherited the house. The bank continued to pay the premiums on the homeowner's policy, but from Douglas's account, and Allstate continued to renew the insurance. When fire destroyed the house, however, Allstate denied coverage, claiming that the policy was still in Ralph's name. Douglas filed a suit in a federal court against the insurer.

Was Allstate liable under the homeowner's policy? Explain.