HOWIE - House fire in Saltwater Creek, Canterbury, NZ (1891)
Extract from the STAR - reference is on the image.
I would imagine that the 3 children referred to in the article would be Francis James, Cyril William and Frederick Hubert.
Fire at Saltwater Creek - Between twelve and one o'clock this morning a four-roomed house at Saltwater Creek owned by Mr R.Leggett, and occupied by Mrs Howie and her three children, was totally destroyed by fire, together with all the contents. At twenty minutes to one, Mrs Howie was awakened by smoke in her bedroom, and had barely time to escape through the window with her children. The origin of the fire cannot be accounted for. Mr Leggett had the building insured with the Union Company for 100 pounds, but his loss is fully 50 pounds above that amount. It is understood that Mrs Howie has an insurance on her furniture, but the amount and office have not transpired.