Juma's house is valued at Ksh. 600,000. He has insured it for Ksh. 400,000 against fire with Wananchi insurance company. He has also insured it against fire with Mwanzo Insurance Company for Ksh. 200,000. The house is damaged by fire to an extent of Ksh. 200, 000. Juma sues Wananchi Insurance for indemnity. Advice the company as to their rights and liabilities.