{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-111.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-111.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-111.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-111.html"}],"law_id":73309,"edition_id":1,"section_id":73309,"structure_id":13746,"section_number":"38.2-111","catch_line":"Miscellaneous property and casualty","history":"1952, c. 317, \u00a7\u00a7 38.1-7, 38.1-12; 1986, c. 562; 2004, c. 182; 2007, c. 762.","full_text":"A\n\n“Miscellaneous property insurance” means insurance against loss of or damage to property resulting from:1\n\nLightning, smoke or smudge, windstorm, tornado, cyclone, earthquake, volcanic eruption, rain, hail, frost and freeze, weather or climatic conditions, excess or deficiency of moisture, flood, the rising of the waters of the ocean or its tributaries; or2\n\nInsects, blights, or disease of such property other than animals; or3\n\nElectrical disturbance causing or concomitant with a fire or an explosion; or4\n\nThe ownership, maintenance or use of elevators, except loss or damage by fire. This class of insurance includes the incidental power to make inspections of and to issue certificates of inspection upon any such elevator; or5\n\nBombardment, invasion, insurrection, riot, civil war or commotion, military or usurped power, any order of a civil authority made to prevent the spread of a conflagration, epidemic or catastrophe, vandalism or malicious mischief, strike or lockout, collapse from any cause, or explosion; but not including any kind of insurance specified in § 38.2-115, except insurance against loss or damage to property resulting from:\n\t\t\t\ta. Explosion of pressure vessels, except steam boilers of more than fifteen pounds pressure, in buildings designed and used solely for residential purposes by not more than four families;\n\t\t\t\tb. Explosion of any kind originating outside of the insured building or outside of the building containing the insured property;\n\t\t\t\tc. Explosion of pressure vessels not containing steam; or\n\t\t\t\td. Electrical disturbance causing or concomitant with an explosion; or6\n\nAny other cause or hazard which may result in a loss or damage to property, if the insurance is not contrary to law or public policy.B\n\n“Miscellaneous casualty insurance” means insurance against liability, and against loss, damage, or expense arising out of injury to the economic interests of any person, but not including any class of insurance otherwise specified in this title, provided that such insurance is not contrary to law or public policy, except that any policy of miscellaneous casualty insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death, dismemberment, sickness, or injury of any person, and death and dismemberment benefits in the event of death or dismemberment, if the death, dismemberment, sickness, or injury is caused by or is incidental to a cause of loss insured under the policy.","order_by":null,"text":{"0":{"id":263834,"text":"“Miscellaneous property insurance” means insurance against loss of or damage to property resulting from:","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"A1"},"1":{"id":263835,"text":"Lightning, smoke or smudge, windstorm, tornado, cyclone, earthquake, volcanic eruption, rain, hail, frost and freeze, weather or climatic conditions, excess or deficiency of moisture, flood, the rising of the waters of the ocean or its tributaries; or","type":"section","prefixes":["A","1"],"prefix":"1","entire_prefix":"A1","prefix_anchor":"A1","level":2,"prior_prefix":"A","next_prefix":"A2"},"2":{"id":263836,"text":"Insects, blights, or disease of such property other than animals; or","type":"section","prefixes":["A","2"],"prefix":"2","entire_prefix":"A2","prefix_anchor":"A2","level":2,"prior_prefix":"A1","next_prefix":"A3"},"3":{"id":263837,"text":"Electrical disturbance causing or concomitant with a fire or an explosion; or","type":"section","prefixes":["A","3"],"prefix":"3","entire_prefix":"A3","prefix_anchor":"A3","level":2,"prior_prefix":"A2","next_prefix":"A4"},"4":{"id":263838,"text":"The ownership, maintenance or use of elevators, except loss or damage by fire. This class of insurance includes the incidental power to make inspections of and to issue certificates of inspection upon any such elevator; or","type":"section","prefixes":["A","4"],"prefix":"4","entire_prefix":"A4","prefix_anchor":"A4","level":2,"prior_prefix":"A3","next_prefix":"A5"},"5":{"id":263839,"text":"Bombardment, invasion, insurrection, riot, civil war or commotion, military or usurped power, any order of a civil authority made to prevent the spread of a conflagration, epidemic or catastrophe, vandalism or malicious mischief, strike or lockout, collapse from any cause, or explosion; but not including any kind of insurance specified in § 38.2-115, except insurance against loss or damage to property resulting from:\n\t\t\t\ta. Explosion of pressure vessels, except steam boilers of more than fifteen pounds pressure, in buildings designed and used solely for residential purposes by not more than four families;\n\t\t\t\tb. Explosion of any kind originating outside of the insured building or outside of the building containing the insured property;\n\t\t\t\tc. Explosion of pressure vessels not containing steam; or\n\t\t\t\td. Electrical disturbance causing or concomitant with an explosion; or","type":"section","prefixes":["A","5"],"prefix":"5","entire_prefix":"A5","prefix_anchor":"A5","level":2,"prior_prefix":"A4","next_prefix":"A6"},"6":{"id":263840,"text":"Any other cause or hazard which may result in a loss or damage to property, if the insurance is not contrary to law or public policy.","type":"section","prefixes":["A","6"],"prefix":"6","entire_prefix":"A6","prefix_anchor":"A6","level":2,"prior_prefix":"A5","next_prefix":"B"},"7":{"id":263841,"text":"“Miscellaneous casualty insurance” means insurance against liability, and against loss, damage, or expense arising out of injury to the economic interests of any person, but not including any class of insurance otherwise specified in this title, provided that such insurance is not contrary to law or public policy, except that any policy of miscellaneous casualty insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death, dismemberment, sickness, or injury of any person, and death and dismemberment benefits in the event of death or dismemberment, if the death, dismemberment, sickness, or injury is caused by or is incidental to a cause of loss insured under the policy.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A6"}},"ancestry":[{"id":13746,"edition_id":1,"name":"Insurance Classified and Defined","identifier":"2","label":"article","depth":3,"order_by":1,"parent_id":13745,"metadata":{},"date_created":"2026-06-26 03:45:45","date_modified":"2026-06-26 03:45:45","permalink":{"id":210675,"object_type":"structure","relational_id":13746,"identifier":"2","token":"38.2\/1\/2","url":"\/38.2\/1\/2\/","edition_id":1,"permalink":0,"preferred":1}},{"id":13745,"edition_id":1,"name":"General 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insurance","url":"\/38.2-101\/","token":"38.2\/1\/2\/38.2-101","metadata":false},{"id":57209,"structure_id":13746,"section_number":"38.2-102","catch_line":"Life","url":"\/38.2-102\/","token":"38.2\/1\/2\/38.2-102","metadata":false},{"id":76182,"structure_id":13746,"section_number":"38.2-103","catch_line":"Credit life","url":"\/38.2-103\/","token":"38.2\/1\/2\/38.2-103","metadata":false},{"id":67449,"structure_id":13746,"section_number":"38.2-104","catch_line":"Industrial life","url":"\/38.2-104\/","token":"38.2\/1\/2\/38.2-104","metadata":false},{"id":57228,"structure_id":13746,"section_number":"38.2-105","catch_line":"Variable life","url":"\/38.2-105\/","token":"38.2\/1\/2\/38.2-105","metadata":false},{"id":62859,"structure_id":13746,"section_number":"38.2-105.1","catch_line":"Modified guaranteed life 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damage","url":"\/38.2-112\/","token":"38.2\/1\/2\/38.2-112","metadata":false},{"id":73509,"structure_id":13746,"section_number":"38.2-113","catch_line":"Burglary and theft","url":"\/38.2-113\/","token":"38.2\/1\/2\/38.2-113","metadata":false},{"id":58243,"structure_id":13746,"section_number":"38.2-114","catch_line":"Glass insurance","url":"\/38.2-114\/","token":"38.2\/1\/2\/38.2-114","metadata":false},{"id":73597,"structure_id":13746,"section_number":"38.2-115","catch_line":"Boiler and machinery","url":"\/38.2-115\/","token":"38.2\/1\/2\/38.2-115","metadata":false},{"id":65377,"structure_id":13746,"section_number":"38.2-116","catch_line":"Animal","url":"\/38.2-116\/","token":"38.2\/1\/2\/38.2-116","metadata":false},{"id":83683,"structure_id":13746,"section_number":"38.2-117","catch_line":"Personal injury liability","url":"\/38.2-117\/","token":"38.2\/1\/2\/38.2-117","metadata":false},{"id":58741,"structure_id":13746,"section_number":"38.2-118","catch_line":"Property damage 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insurance","url":"\/38.2-127\/","token":"38.2\/1\/2\/38.2-127","metadata":false},{"id":69932,"structure_id":13746,"section_number":"38.2-128","catch_line":"Mortgage guaranty insurance","url":"\/38.2-128\/","token":"38.2\/1\/2\/38.2-128","metadata":false},{"id":57616,"structure_id":13746,"section_number":"38.2-129","catch_line":"Home protection insurance","url":"\/38.2-129\/","token":"38.2\/1\/2\/38.2-129","metadata":false},{"id":75005,"structure_id":13746,"section_number":"38.2-130","catch_line":"Homeowners insurance","url":"\/38.2-130\/","token":"38.2\/1\/2\/38.2-130","metadata":false},{"id":79979,"structure_id":13746,"section_number":"38.2-131","catch_line":"Farmowners insurance","url":"\/38.2-131\/","token":"38.2\/1\/2\/38.2-131","metadata":false},{"id":60601,"structure_id":13746,"section_number":"38.2-132","catch_line":"Commercial multi-peril insurance","url":"\/38.2-132\/","token":"38.2\/1\/2\/38.2-132","metadata":false},{"id":85493,"structure_id":13746,"section_number":"38.2-133","catch_line":"Contingent and consequential losses","url":"\/38.2-133\/","token":"38.2\/1\/2\/38.2-133","metadata":false},{"id":74943,"structure_id":13746,"section_number":"38.2-134","catch_line":"Definitions to include other insurance of same general kind","url":"\/38.2-134\/","token":"38.2\/1\/2\/38.2-134","metadata":false}],"previous_section":{"id":56505,"structure_id":13746,"section_number":"38.2-110","catch_line":"Fire","url":"\/38.2-110\/","token":"38.2\/1\/2\/38.2-110","metadata":false},"next_section":{"id":78163,"structure_id":13746,"section_number":"38.2-112","catch_line":"Water damage","url":"\/38.2-112\/","token":"38.2\/1\/2\/38.2-112","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-111\/","history_text":"

This law was first created in 1952. The record of its establishment is cataloged in chapter 317 of that year\u2019s edition of \u201cActs of Assembly,\u201d the annual state publication listing all changes made to the Code of Virginia in that year. Unfortunately, the 1952 \u201cActs\u201d aren\u2019t available online. It has been modified 3 times. Those modifications are cataloged by \u201cThe Acts of Assembly,\u201d a state publication, by year and chapter. Those modifications that can be read on the General Assembly\u2019s website will be linked accordingly. Those modifications are as follows: in 1986, chapter 562; in 2004, chapter 182<\/a>; in 2007, chapter 762<\/a>.<\/p>","references":[{"id":72961,"section_number":"19.2-13","catch_line":"Special conservators of the peace; authority; jurisdiction; registration; liability of employers; penalty; report","order_by":null,"url":"\/19.2-13\/"},{"id":69255,"section_number":"38.2-231","catch_line":"Notice of cancellation, refusal to renew, reduction in coverage or increase in premium of certain liability insurance policies","order_by":null,"url":"\/38.2-231\/"},{"id":62065,"section_number":"38.2-2503","catch_line":"Classes of insurance that may be written by mutual assessment property and casualty insurers; minimum surplus to policyholders required","order_by":null,"url":"\/38.2-2503\/"},{"id":59380,"section_number":"38.2-2602","catch_line":"Limited applicability to certain insurers","order_by":null,"url":"\/38.2-2602\/"},{"id":76092,"section_number":"38.2-401","catch_line":"(Effective July 1, 2026) Fire Programs Fund","order_by":null,"url":"\/38.2-401\/"}],"refers_to":[{"id":73597,"section_number":"38.2-115","catch_line":"Boiler and machinery","order_by":null,"url":"\/38.2-115\/"}],"permalink":{"id":210733,"object_type":"law","relational_id":73309,"identifier":"38.2-111","token":"38.2\/1\/2\/38.2-111","url":"\/38.2-111\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-111\/","token":"38.2\/1\/2\/38.2-111","dublin_core":{"Title":"Miscellaneous property and casualty","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-111","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> “Miscellaneous property insurance<\/span>” means insurance against loss of or damage to property resulting from: <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

1.<\/span> Lightning, smoke or smudge, windstorm, tornado, cyclone, earthquake, volcanic eruption, rain, hail, frost and freeze, weather or climatic conditions, excess or deficiency of moisture, flood, the rising of the waters of the ocean or its tributaries; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

2.<\/span> Insects, blights, or disease of such property other than animals; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

3.<\/span> Electrical disturbance causing or concomitant with a fire or an explosion; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

4.<\/span> The ownership, maintenance or use of elevators, except loss or damage by fire. This class of insurance includes the incidental power to make inspections of and to issue<\/span> certificates of inspection upon any such elevator; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

5.<\/span> Bombardment, invasion, insurrection, riot, civil war or commotion, military or usurped power, any order<\/span> of a civil authority made to prevent the spread of a conflagration, epidemic or catastrophe, vandalism or malicious<\/span> mischief, strike or lockout, collapse from any cause, or explosion; but not including any kind of insurance specified in § 38.2-115<\/a>, except insurance against loss or damage to property resulting from:\n\t\t\t\ta. Explosion of pressure vessels, except steam boilers of more than fifteen pounds pressure, in buildings designed and used solely for residential purposes by not more than four families;\n\t\t\t\tb. Explosion of any kind originating outside of the insured building or outside of the building containing the insured property;\n\t\t\t\tc. Explosion of pressure vessels not containing steam; or\n\t\t\t\td. Electrical disturbance causing or concomitant with an explosion; or <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

6.<\/span> Any other cause or hazard which may result in a loss or damage to property, if the insurance is not contrary to law<\/span> or public policy. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> “Miscellaneous casualty insurance<\/span>” means insurance against liability, and against loss, damage, or expense arising out of injury to the economic interests of any person<\/span>, but not including any class of insurance otherwise specified in this title, provided that such insurance is not contrary to law<\/span> or public policy, except that any policy of miscellaneous casualty insurance<\/span> may include appropriate provisions obligating the insurer<\/span> to pay medical, hospital, surgical, and funeral expenses arising out of the death, dismemberment, sickness, or injury of any person<\/span>, and death and dismemberment benefits in the event of death or dismemberment, if the death, dismemberment, sickness, or injury is caused by or is incidental to a cause of loss insured under the policy. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nMISCELLANEOUS PROPERTY AND CASUALTY (\u00a7 38.2-111)\n\nA. “Miscellaneous property insurance” means insurance against loss\nof or damage to property resulting from:\n\n 1. Lightning, smoke or smudge, windstorm, tornado, cyclone, earthquake,\n volcanic eruption, rain, hail, frost and freeze, weather or climatic\n conditions, excess or deficiency of moisture, flood, the rising of the waters\n of the ocean or its tributaries; or\n\n 2. Insects, blights, or disease of such property other than animals; or\n\n 3. Electrical disturbance causing or concomitant with a fire or an explosion;\n or\n\n 4. The ownership, maintenance or use of elevators, except loss or damage by\n fire. This class of insurance includes the incidental power to make\n inspections of and to issue certificates of inspection upon any such elevator;\n or\n\n 5. Bombardment, invasion, insurrection, riot, civil war or commotion, military\n or usurped power, any order of a civil authority made to prevent the spread of\n a conflagration, epidemic or catastrophe, vandalism or malicious mischief,\n strike or lockout, collapse from any cause, or explosion; but not including\n any kind of insurance specified in § 38.2-115, except insurance against\n loss or damage to property resulting from:\n \t\t\t\ta. Explosion of pressure vessels, except steam boilers of more than\n fifteen pounds pressure, in buildings designed and used solely for residential\n purposes by not more than four families;\n \t\t\t\tb. Explosion of any kind originating outside of the insured building or\n outside of the building containing the insured property;\n \t\t\t\tc. Explosion of pressure vessels not containing steam; or\n \t\t\t\td. Electrical disturbance causing or concomitant with an explosion; or\n\n 6. Any other cause or hazard which may result in a loss or damage to property,\n if the insurance is not contrary to law or public policy.\n\nB. “Miscellaneous casualty insurance” means insurance against\nliability, and against loss, damage, or expense arising out of injury to the\neconomic interests of any person, but not including any class of insurance\notherwise specified in this title, provided that such insurance is not contrary\nto law or public policy, except that any policy of miscellaneous casualty\ninsurance may include appropriate provisions obligating the insurer to pay\nmedical, hospital, surgical, and funeral expenses arising out of the death,\ndismemberment, sickness, or injury of any person, and death and dismemberment\nbenefits in the event of death or dismemberment, if the death, dismemberment,\nsickness, or injury is caused by or is incidental to a cause of loss insured\nunder the policy.\n\nHISTORY: 1952, c. 317, \u00a7\u00a7 38.1-7, 38.1-12; 1986, c. 562; 2004, c. 182; 2007,\nc. 762.","edition":{"id":1,"name":"2025","slug":"2025","date_created":"2026-06-21 22:39:22","date_modified":"2026-06-21 22:39:22","current":1,"order_by":1,"last_import":null}}