Summary judgment was properly entered against plaintiff who tried to hold Farmers vicariously liable for its agent’s underestimate the replacement cost of plaintiff’s house and thus ordered inadequate fire insurance from California FAIR Plan. Farmers’ contract with the agent allowed the agent to write insurance on Farmers but not on the FAIR Plan. And Farmers had not engaged in any conduct that would give plaintiff a reason to think the agent could act for Farmers in writing insurance on the FAIR Plan. The FAIR Plan contract also negated that idea, referring to the agent as plaintiff’s insurance broker on that policy.