Chapter 4 Homeowners and Fire Insurance Policies

Index

Section 4.1 Historical Developments, Policies in General
Section 4.2 Scope of Chapter
Section 4.3 Insurable Interest
Section 4.4 Elements
Section 4.5 Construction of Insurance Policies
Section 4.6 Doctrine of Reasonable Expectations
Section 4.7 Premium
Section 4.8 Identity of Company
Section 4.9 Policy Term
Section 4.10 Renewal
Section 4.11 Amount of Insurance
Section 4.12 Blanket vs. Specific Coverage
Section 4.13 Open vs. Valued Policies
Section 4.14 Named Insureds
Section 4.15 Named Mortgagees
Section 4.16 Claimants Not Named in the Policy
Section 4.17 Mortgagor-Mortgagee
Section 4.18 Vendor-Vendee
Section 4.19 Statutory Liens on Policy Proceeds
Section 4.20 Missouri “FAIR Plan”
Section 4.21 Valued Policy Statutes
Section 4.22 Real Property
Section 4.23 Personal Property
Section 4.24 Homeowners Policies
Section 4.25 Definitions
Section 4.26 Coverage A—Dwelling
Section 4.27 Coverage B—Other Structures
Section 4.28 Coverage C—Personal Property
Section 4.29 Coverage D—Loss of Use/Additional Living Expenses
Section 4.30 Additional Coverages
Section 4.31 Coverage A—Dwelling and Coverage B—Other Structures
Section 4.32 Coverage C—Personal Property
Section 4.33 Section I—Exclusions
Section 4.34 Insurable Interest and Limit of Liability
Section 4.35 Notice of Loss
Section 4.36 Protection of the Property
Section 4.37 Inventory of the Damaged Personal Property
Section 4.38 Cooperation With Insurer, Exhibiting Damaged Property, and Examination Under Oath
Section 4.39 Proof of Loss
Section 4.40 Loss Settlement
Section 4.41 Property Other Than Buildings
Section 4.42 Buildings Under Coverages A and B—Replacement Cost
Section 4.43 Coinsurance
Section 4.44 Loss to a Pair or Set
Section 4.45 Glass Replacement
Section 4.46 Appraisal
Section 4.47 Other Insurance and Service Agreements
Section 4.48 Suit Against Insurance Company
Section 4.49 Option to Repair
Section 4.50 When Loss Payable
Section 4.51 Abandonment of Property
Section 4.52 Mortgage Clause
Section 4.53 Bailee Not Covered
Section 4.54 Nuclear Hazard
Section 4.55 Recovered Property
Section 4.56 Volcanic Eruption Period
Section 4.57 Policy Period
Section 4.58 Concealment or Fraud
Section 4.59 Coverage E—Personal Liability
Section 4.60 Coverage F—Medical Payments to Others
Section 4.61 Expected or Intended Injury
Section 4.62 “Business” and Rental of Property
Section 4.63 Professional Services
Section 4.64 Locations Other Than the Insured Premises
Section 4.65 Aircraft, Watercraft, Hovercraft, and Motor Vehicles
Section 4.66 War
Section 4.67 Coverage E—Personal Liability
Section 4.68 Coverage F—Medical Payments to Others
Section 4.69 Claim Expenses
Section 4.70 First Aid Expenses
Section 4.71 Damage to Property of Others
Section 4.72 Loss Assessment
Section 4.73 Limit of Liability
Section 4.74 Severability of Insurance
Section 4.75 Duties After Loss—Cooperation Clause
Section 4.76 Duties of an Injured Person—Coverage F—Medical Payments to Others
Section 4.77 Payment of Claim—Coverage F—Medical Payments to Others
Section 4.78 Suit Against the Company
Section 4.79 Bankruptcy of an Insured
Section 4.80 Other Insurance—Coverage E—Personal Liability
Section 4.81 Policy Period
Section 4.82 Concealment or Fraud
Section 4.83 Liberalization Clause
Section 4.84 Waiver or Change of Policy Provisions
Section 4.85 Cancellation
Section 4.86 Nonrenewal
Section 4.87 Assignment
Section 4.88 Subrogation
Section 4.89 Death of Insured
Section 4.90 Standard Fire Insurance Policy and Extended Coverage Endorsement
Section 4.91 Concealment or Fraud
Section 4.92 Uninsurable and Excepted Property
Section 4.93 Perils Excluded
Section 4.94 Other Insurance
Section 4.95 Increase in Hazard
Section 4.96 Vacant or Unoccupied
Section 4.97 Explosion or Riot
Section 4.98 Other Perils and Added Provisions
Section 4.99 Collapse
Section 4.100 Business Interruption