The policy of insurance issued by defendant to plaintiff, insuring the property described therein against loss or damage by fire for a term of five years from and after 2 November, 1927, contains a „ provision as follows:
*623“It is understood and expressly agreed that this company shall not be liable for any loss or damage that may occur to the property herein mentioned, while any installment note given for premium upon this policy remains past due and unpaid; or while any single payment, promissory note (acknowledged as cash or otherwise) given for the whole or any portion of the premium, remains due and unpaid.”
Plaintiff did not pay the premium for said policy, or any portion thereof, in cash. He gave two notes for said premium, one for $33.16, due on 1 September, 1928, and the other for $132.64, due in four equal installments of $33.16 on 1 December, 1928, 1929, 1930 and 1931, respectively. In both said notes there was a provision identical with that in the policy to the effect that upon default in the payment of said note, according to its terms, the defendant should not be liable to plaintiff under the policy, during the continuance of such default. But for the default of plaintiff in the payment of the note which was due on 1 September, 1928, the policy would have been in force at the date of the loss, to wit, 26 September, 1928. By reason of such default, however, the policy was not in force on said date, unless defendant had, as contended by plaintiff, by its conduct prior to the date of such default, waived the provision in the note and also in the policy.
In Hayworth v. Insurance Co., 190 N. C., 757, 130 S. E., 612, it is said: “When a note is given for the payment of the premium on a life insurance policy and the note and the policy contain a stipulation that, upon the failure to pay the note at maturity, the policy shall cease and determine, then a failure to pay such premium note renders the policy void.” This principle, well settled in this and other jurisdictions, is applicable not only to life insurance policies, but also to other policies, including fire insurance policies. Moore v. General Accident, Fire and Life Assur. Corp., 173 N. C., 532, 92 S. E., 362. In the instant case, it is provided in effect that the continued default in the payment of the note for the premium, or for a portion thereof, after its maturity, suspends the liability of the company under the policy during the period of such default. If the company after such default accepts or demands payment of the note, the policy is thereby reinstated from the date of such acceptance or demand. If a loss occurs after the policy has thus been reinstated, the company is liable for such loss, according to the terms of its policy, notwithstanding the suspension of its liability during the period of default.
It is conceded by defendant that in accordance with authoritative decisions of this Court, notwithstanding the provision in the policy with respect to the effect of plaintiff’s default in the payment of his premium note, upon the liability of the defendant, the defendant is liable under *624tbe policy if it has waived said provision, as alleged by plaintiff. Tbe burden, however, is on tbe plaintiff to sbow sucb waiver.
On an examination of tbe record in tbis appeal, we fail to find any evidence showing or tending to show a waiver, by defendant, as contended by plaintiff. There was no evidence tending to show that defendant or its agents caused tbe plaintiff to fail to pay bis note at its maturity, or to rely upon an extension of said note by defendant. Tbe fact that defendant after tbe maturity of a note given by plaintiff for tbe premium on another policy, issued by defendant to plaintiff prior to tbe issuance of tbe policy in tbis case, accepted payment of said note and thereby reinstated tbe said policy, was not sufficient as evidence that defendant, at tbe date of tbe issuance of tbis policy, and tbe execution of tbis note, waived the provision in tbe policy and tbe note, with respect to tbe effect of a default in the payment of tbis note upon defendant’s liability under tbis policy. Acceptance of payment of a premium note bad tbe effect only of reinstating tbe policy from tbe date of sucb payment. There was no evidence in tbis case that plaintiff, either before or after its maturity, requested defendant to extend tbe date of tbe maturity of bis note. Plaintiff testified that be can read and write. Tbe fact that hé did not know when bis note became due, because be failed to read either tbe note which be signed, or the policy which was delivered to him, is not evidence tending to show a waiver by defendant. There is no evidence tending to sbow that plaintiff failed to read tbe note or tbe policy because of any conduct on the part of defendant or its agents.
There was error in the refusal of tbe court to allow defendant’s motion for judgment as of nonsuit, at the close of all tbe evidence. Tbe judgment must, therefore, be
Reversed.