{"formats":[{"name":"JSON","format":"json","url":"\/downloads\/2025\/code-json\/38.2-2104.json"},{"name":"Plain Text","format":"text","url":"\/downloads\/2025\/code-text\/38.2-2104.txt"},{"name":"XML","format":"xml","url":"\/downloads\/2025\/code-xml\/38.2-2104.xml"},{"name":"HTML","format":"html","url":"\/downloads\/2025\/code-html\/38.2-2104.html"}],"law_id":78292,"edition_id":1,"section_id":78292,"structure_id":13409,"section_number":"38.2-2104","catch_line":"Standard insuring agreement for fire insurance policies","history":"Code 1950, \u00a7\u00a7 38-186, 38-190; 1950, pp. 994, 995; 1952, c. 317, \u00a7\u00a7 38.1-365, 38.1-367; 1986, c. 562.","full_text":"A\n\nEach policy shall provide space for listing amounts of insurance, rates, and premiums for the coverages provided in the policy and endorsements attached to the policy, and shall show the location of the agency and the name and location of the insurer issuing the policy. Except as provided in § 38.2-2107, each policy shall contain the following insuring agreement:\n\t\t\tIn consideration of the provisions and stipulations herein or added hereto and of the premium above specified, this Company for the term of ____________________ At 12:01 A.M. __________ At 12:01 A.M. __________ from __________ (Standard Time) to __________ (Standard Time) at location of property involved, to an amount not exceeding the amount(s) above specified, does insure ______________________________ and legal representatives, to the extent of the actual cash value of the property at the time of loss, but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating construction or repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than the interest of the insured, against all direct loss by fire, lightning and by removal from premises endangered by the perils insured against in this policy, except as hereinafter provided, to the property described hereinafter while located or contained as described in this policy, or pro rata for five days at each proper place to which any of the property shall necessarily be removed for preservation from the perils insured against in this policy, but not elsewhere.\n\t\t\tAssignment of this policy shall not be valid except with the written consent of this Company.\n\t\t\tThis policy is made and accepted subject to the foregoing provisions and stipulations and those hereinafter stated, which are hereby made a part of this policy, together with such other provisions, stipulations and agreements as may be added hereto, as provided in this policy.B\n\nNo change shall be made in the sequence of the words and paragraphs of the insuring agreement except that additional matter relating to the coverage provided under the policy and supplemental contracts or extended coverage endorsements may be inserted following any paragraph. The additional matter shall not be inconsistent or in conflict with the standard provisions for policies set out in this chapter, and shall conform with other applicable laws relating to the regulation of fire insurance.C\n\nFor the purpose of more accurate identification of the subject matter or more accurate reference to other provisions, substitutions may be made in the standard insuring agreement for the words “above specified,” “hereinafter,” or other similar terms; but no substitution shall be made if the purpose and intent of the contract is changed by the substitution.","order_by":null,"text":{"0":{"id":280657,"text":"Each policy shall provide space for listing amounts of insurance, rates, and premiums for the coverages provided in the policy and endorsements attached to the policy, and shall show the location of the agency and the name and location of the insurer issuing the policy. Except as provided in § 38.2-2107, each policy shall contain the following insuring agreement:\n\t\t\tIn consideration of the provisions and stipulations herein or added hereto and of the premium above specified, this Company for the term of ____________________ At 12:01 A.M. __________ At 12:01 A.M. __________ from __________ (Standard Time) to __________ (Standard Time) at location of property involved, to an amount not exceeding the amount(s) above specified, does insure ______________________________ and legal representatives, to the extent of the actual cash value of the property at the time of loss, but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating construction or repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than the interest of the insured, against all direct loss by fire, lightning and by removal from premises endangered by the perils insured against in this policy, except as hereinafter provided, to the property described hereinafter while located or contained as described in this policy, or pro rata for five days at each proper place to which any of the property shall necessarily be removed for preservation from the perils insured against in this policy, but not elsewhere.\n\t\t\tAssignment of this policy shall not be valid except with the written consent of this Company.\n\t\t\tThis policy is made and accepted subject to the foregoing provisions and stipulations and those hereinafter stated, which are hereby made a part of this policy, together with such other provisions, stipulations and agreements as may be added hereto, as provided in this policy.","type":"section","prefixes":["A"],"prefix":"A","entire_prefix":"A","prefix_anchor":"A","level":1,"next_prefix":"B"},"1":{"id":280658,"text":"No change shall be made in the sequence of the words and paragraphs of the insuring agreement except that additional matter relating to the coverage provided under the policy and supplemental contracts or extended coverage endorsements may be inserted following any paragraph. The additional matter shall not be inconsistent or in conflict with the standard provisions for policies set out in this chapter, and shall conform with other applicable laws relating to the regulation of fire insurance.","type":"section","prefixes":["B"],"prefix":"B","entire_prefix":"B","prefix_anchor":"B","level":1,"prior_prefix":"A","next_prefix":"C"},"2":{"id":280659,"text":"For the purpose of more accurate identification of the subject matter or more accurate reference to other provisions, substitutions may be made in the standard insuring agreement for the words “above specified,” “hereinafter,” or other similar terms; but no substitution shall be made if the purpose and intent of the contract is changed by the substitution.","type":"section","prefixes":["C"],"prefix":"C","entire_prefix":"C","prefix_anchor":"C","level":1,"prior_prefix":"B"}},"ancestry":[{"id":13409,"edition_id":1,"name":"Fire Insurance Policies","identifier":"21","label":"chapter","depth":2,"order_by":1,"parent_id":12698,"metadata":{},"date_created":"2026-06-26 03:44:50","date_modified":"2026-06-26 03:44:50","permalink":{"id":213407,"object_type":"structure","relational_id":13409,"identifier":"21","token":"38.2\/21","url":"\/38.2\/21\/","edition_id":1,"permalink":0,"preferred":1}},{"id":12698,"edition_id":1,"name":"Insurance","identifier":"38.2","label":"title","depth":1,"order_by":1,"parent_id":null,"metadata":{},"date_created":"2026-06-26 03:43:49","date_modified":"2026-06-26 03:43:49","permalink":{"id":210661,"object_type":"structure","relational_id":12698,"identifier":"38.2","token":"38.2","url":"\/38.2\/","edition_id":1,"permalink":0,"preferred":1}}],"structure_contents":[{"id":62063,"structure_id":13409,"section_number":"38.2-2100","catch_line":"Application of chapter","url":"\/38.2-2100\/","token":"38.2\/21\/38.2-2100","metadata":false},{"id":77806,"structure_id":13409,"section_number":"38.2-2101","catch_line":"Policies shall conform to provisions of this chapter","url":"\/38.2-2101\/","token":"38.2\/21\/38.2-2101","metadata":false},{"id":71827,"structure_id":13409,"section_number":"38.2-2102","catch_line":"Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination","url":"\/38.2-2102\/","token":"38.2\/21\/38.2-2102","metadata":false},{"id":75374,"structure_id":13409,"section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103","metadata":false},{"id":78292,"structure_id":13409,"section_number":"38.2-2104","catch_line":"Standard insuring agreement for fire insurance policies","url":"\/38.2-2104\/","token":"38.2\/21\/38.2-2104","metadata":false},{"id":83792,"structure_id":13409,"section_number":"38.2-2105","catch_line":"Standard provisions, conditions, stipulations and agreements for such policies","url":"\/38.2-2105\/","token":"38.2\/21\/38.2-2105","metadata":false},{"id":75986,"structure_id":13409,"section_number":"38.2-2106","catch_line":"Standard form for execution of policies","url":"\/38.2-2106\/","token":"38.2\/21\/38.2-2106","metadata":false},{"id":79024,"structure_id":13409,"section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","url":"\/38.2-2107\/","token":"38.2\/21\/38.2-2107","metadata":false},{"id":54378,"structure_id":13409,"section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","url":"\/38.2-2108\/","token":"38.2\/21\/38.2-2108","metadata":false},{"id":72503,"structure_id":13409,"section_number":"38.2-2108.1","catch_line":"Commercial fire insurance policies; changes to amount of coverage","url":"\/38.2-2108.1\/","token":"38.2\/21\/38.2-2108.1","metadata":false},{"id":72078,"structure_id":13409,"section_number":"38.2-2109","catch_line":"Execution of policies","url":"\/38.2-2109\/","token":"38.2\/21\/38.2-2109","metadata":false},{"id":73410,"structure_id":13409,"section_number":"38.2-2110","catch_line":"Other matter permitted in the policy","url":"\/38.2-2110\/","token":"38.2\/21\/38.2-2110","metadata":false},{"id":61333,"structure_id":13409,"section_number":"38.2-2111","catch_line":"Special regulations to be added to policy","url":"\/38.2-2111\/","token":"38.2\/21\/38.2-2111","metadata":false},{"id":75728,"structure_id":13409,"section_number":"38.2-2112","catch_line":"Temporary insurance contracts; duration; what deemed to include","url":"\/38.2-2112\/","token":"38.2\/21\/38.2-2112","metadata":false},{"id":62048,"structure_id":13409,"section_number":"38.2-2113","catch_line":"Mailing or electronic delivery of notice of cancellation or refusal to renew","url":"\/38.2-2113\/","token":"38.2\/21\/38.2-2113","metadata":false},{"id":83824,"structure_id":13409,"section_number":"38.2-2114","catch_line":"Grounds and procedure for termination of policy; contents of notice; review by Commissioner; exceptions; immunity from liability","url":"\/38.2-2114\/","token":"38.2\/21\/38.2-2114","metadata":false},{"id":64753,"structure_id":13409,"section_number":"38.2-2114.1","catch_line":"Powers of Commission; replacement policies","url":"\/38.2-2114.1\/","token":"38.2\/21\/38.2-2114.1","metadata":false},{"id":83507,"structure_id":13409,"section_number":"38.2-2115","catch_line":"Discrimination in issuance of fire insurance","url":"\/38.2-2115\/","token":"38.2\/21\/38.2-2115","metadata":false},{"id":54915,"structure_id":13409,"section_number":"38.2-2116","catch_line":"Policies issued by two or more insurers","url":"\/38.2-2116\/","token":"38.2\/21\/38.2-2116","metadata":false},{"id":66578,"structure_id":13409,"section_number":"38.2-2117","catch_line":"Approval of forms or provisions for additional coverage","url":"\/38.2-2117\/","token":"38.2\/21\/38.2-2117","metadata":false},{"id":60472,"structure_id":13409,"section_number":"38.2-2118","catch_line":"Required statement on insurance policies for owner-occupied dwellings","url":"\/38.2-2118\/","token":"38.2\/21\/38.2-2118","metadata":false},{"id":62298,"structure_id":13409,"section_number":"38.2-2119","catch_line":"Approval of forms or provisions for certain risks","url":"\/38.2-2119\/","token":"38.2\/21\/38.2-2119","metadata":false},{"id":82981,"structure_id":13409,"section_number":"38.2-2120","catch_line":"Optional coverage to be offered with homeowner's policy","url":"\/38.2-2120\/","token":"38.2\/21\/38.2-2120","metadata":false},{"id":84269,"structure_id":13409,"section_number":"38.2-2121","catch_line":"When courts may appoint umpires","url":"\/38.2-2121\/","token":"38.2\/21\/38.2-2121","metadata":false},{"id":61467,"structure_id":13409,"section_number":"38.2-2122","catch_line":"Appraisers and umpires; oath to be taken","url":"\/38.2-2122\/","token":"38.2\/21\/38.2-2122","metadata":false},{"id":68968,"structure_id":13409,"section_number":"38.2-2123","catch_line":"Chapter not applicable to certain mutual insurers","url":"\/38.2-2123\/","token":"38.2\/21\/38.2-2123","metadata":false},{"id":73109,"structure_id":13409,"section_number":"38.2-2124","catch_line":"Optional coverage to be offered with fire insurance policy","url":"\/38.2-2124\/","token":"38.2\/21\/38.2-2124","metadata":false},{"id":74256,"structure_id":13409,"section_number":"38.2-2125","catch_line":"Notice regarding flood exclusion","url":"\/38.2-2125\/","token":"38.2\/21\/38.2-2125","metadata":false},{"id":73902,"structure_id":13409,"section_number":"38.2-2126","catch_line":"Insurance credit score disclosure; use of credit information","url":"\/38.2-2126\/","token":"38.2\/21\/38.2-2126","metadata":false},{"id":74645,"structure_id":13409,"section_number":"38.2-2127","catch_line":"Notice of change in deductible","url":"\/38.2-2127\/","token":"38.2\/21\/38.2-2127","metadata":false},{"id":72319,"structure_id":13409,"section_number":"38.2-2128","catch_line":"Certain exclusions permitted","url":"\/38.2-2128\/","token":"38.2\/21\/38.2-2128","metadata":false},{"id":85505,"structure_id":13409,"section_number":"38.2-2129","catch_line":"Notice regarding earthquake exclusion","url":"\/38.2-2129\/","token":"38.2\/21\/38.2-2129","metadata":false},{"id":80309,"structure_id":13409,"section_number":"38.2-2130","catch_line":"Coverage for volunteer fire department costs","url":"\/38.2-2130\/","token":"38.2\/21\/38.2-2130","metadata":false},{"id":61541,"structure_id":13409,"section_number":"38.2-2131","catch_line":"Assignment of claims prohibited","url":"\/38.2-2131\/","token":"38.2\/21\/38.2-2131","metadata":false}],"previous_section":{"id":75374,"structure_id":13409,"section_number":"38.2-2103","catch_line":"Information to be printed on policy","url":"\/38.2-2103\/","token":"38.2\/21\/38.2-2103","metadata":false},"next_section":{"id":83792,"structure_id":13409,"section_number":"38.2-2105","catch_line":"Standard provisions, conditions, stipulations and agreements for such policies","url":"\/38.2-2105\/","token":"38.2\/21\/38.2-2105","metadata":false},"metadata":false,"official_url":"https:\/\/law.lis.virginia.gov\/vacode\/38.2-2104\/","history_text":"

The record of this law\u2019s original creation isn\u2019t available online. It has been modified 2 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 1952, chapter 317; in 1986, chapter 562.<\/p>","references":[{"id":79024,"section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","order_by":null,"url":"\/38.2-2107\/"},{"id":54378,"section_number":"38.2-2108","catch_line":"Standards for content of fire insurance policies","order_by":null,"url":"\/38.2-2108\/"},{"id":75728,"section_number":"38.2-2112","catch_line":"Temporary insurance contracts; duration; what deemed to include","order_by":null,"url":"\/38.2-2112\/"},{"id":54915,"section_number":"38.2-2116","catch_line":"Policies issued by two or more insurers","order_by":null,"url":"\/38.2-2116\/"},{"id":62298,"section_number":"38.2-2119","catch_line":"Approval of forms or provisions for certain risks","order_by":null,"url":"\/38.2-2119\/"},{"id":61541,"section_number":"38.2-2131","catch_line":"Assignment of claims prohibited","order_by":null,"url":"\/38.2-2131\/"}],"refers_to":[{"id":79024,"section_number":"38.2-2107","catch_line":"Commission may establish guidelines for filing readable fire insurance policy forms","order_by":null,"url":"\/38.2-2107\/"}],"permalink":{"id":213425,"object_type":"law","relational_id":78292,"identifier":"38.2-2104","token":"38.2\/21\/38.2-2104","url":"\/38.2-2104\/","edition_id":1,"permalink":0,"preferred":1},"url":"\/38.2-2104\/","token":"38.2\/21\/38.2-2104","dublin_core":{"Title":"Standard insuring agreement for fire insurance policies","Type":"Text","Format":"text\/html","Identifier":"\u00a7 38.2-2104","Relation":"Code of Virginia"},"html":"\n\t\t\t\t\t\t

A.<\/span> Each policy shall provide space for listing amounts of insurance<\/span>, rates<\/span><\/span>, and premiums for the coverages provided in the policy and endorsements attached to the policy, and shall show the location of the agency and the name and location of the insurer<\/span> issuing the policy. Except as provided in § 38.2-2107<\/a>, each policy shall contain the following insuring agreement:\n\t\t\tIn consideration of the provisions and stipulations<\/span> herein or added hereto and of the premium above specified, this Company<\/span> for the term of ____________________ At 12:01 A.M. __________ At 12:01 A.M. __________ from __________ (Standard Time) to __________ (Standard Time) at location of property involved, to an amount not exceeding the amount(s) above specified, does insure ______________________________ and legal representatives, to the extent of the actual cash value of the property at the time of loss, but not exceeding the amount which it would cost to repair or replace the property with material<\/span> of like kind and quality within a reasonable time after such loss, without allowance for any increased cost of repair or reconstruction by reason of any ordinance<\/span> or law<\/span> regulating construction or repair, and without compensation for loss resulting from interruption of business or manufacture, nor in any event for more than the interest of the insured, against all direct loss by fire, lightning and by removal from premises endangered by the perils insured against in this policy, except as hereinafter provided, to the property described hereinafter while located or contained as described in this policy, or pro rata for five days at each proper place to which any of the property shall necessarily be removed for preservation from the perils insured against in this policy, but not elsewhere.\n\t\t\tAssignment of this policy shall not be valid except with the written consent of this Company<\/span>.\n\t\t\tThis policy is made and accepted subject to the foregoing provisions and stipulations<\/span> and those hereinafter stated, which are hereby made a part of this policy, together with such other provisions, stipulations<\/span> and agreements as may be added hereto, as provided in this policy. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

B.<\/span> No change shall be made in the sequence of the words and paragraphs of the insuring agreement except that additional matter relating to the coverage provided under the policy and supplemental contracts<\/span> or extended coverage endorsements may be inserted following any paragraph. The additional matter shall not be inconsistent or in conflict with the standard provisions for policies set out in this chapter, and shall conform with other applicable laws<\/span> relating to the regulation of fire insurance<\/span>. <\/i><\/a><\/p><\/section>\n\t\t\t\t\t\t

C.<\/span> For the purpose of more accurate identification of the subject matter or more accurate reference to other provisions, substitutions may be made in the standard insuring agreement for the words “above specified,” “hereinafter,” or other similar terms; but no substitution shall be made if the purpose and intent<\/span> of the contract<\/span> is changed by the substitution. <\/i><\/a><\/p><\/section>","plain_text":" CODE OF VIRGINIA\n\nSTANDARD INSURING AGREEMENT FOR FIRE INSURANCE POLICIES (\u00a7 38.2-2104)\n\nA. Each policy shall provide space for listing amounts of insurance, rates, and\npremiums for the coverages provided in the policy and endorsements attached to\nthe policy, and shall show the location of the agency and the name and location\nof the insurer issuing the policy. Except as provided in § 38.2-2107, each\npolicy shall contain the following insuring agreement:\n\t\t\tIn consideration of the provisions and stipulations herein or added hereto\nand of the premium above specified, this Company for the term of\n____________________ At 12:01 A.M. __________ At 12:01 A.M. __________ from\n__________ (Standard Time) to __________ (Standard Time) at location of property\ninvolved, to an amount not exceeding the amount(s) above specified, does insure\n______________________________ and legal representatives, to the extent of the\nactual cash value of the property at the time of loss, but not exceeding the\namount which it would cost to repair or replace the property with material of\nlike kind and quality within a reasonable time after such loss, without\nallowance for any increased cost of repair or reconstruction by reason of any\nordinance or law regulating construction or repair, and without compensation for\nloss resulting from interruption of business or manufacture, nor in any event\nfor more than the interest of the insured, against all direct loss by fire,\nlightning and by removal from premises endangered by the perils insured against\nin this policy, except as hereinafter provided, to the property described\nhereinafter while located or contained as described in this policy, or pro rata\nfor five days at each proper place to which any of the property shall\nnecessarily be removed for preservation from the perils insured against in this\npolicy, but not elsewhere.\n\t\t\tAssignment of this policy shall not be valid except with the written consent\nof this Company.\n\t\t\tThis policy is made and accepted subject to the foregoing provisions and\nstipulations and those hereinafter stated, which are hereby made a part of this\npolicy, together with such other provisions, stipulations and agreements as may\nbe added hereto, as provided in this policy.\n\nB. No change shall be made in the sequence of the words and paragraphs of the\ninsuring agreement except that additional matter relating to the coverage\nprovided under the policy and supplemental contracts or extended coverage\nendorsements may be inserted following any paragraph. The additional matter\nshall not be inconsistent or in conflict with the standard provisions for\npolicies set out in this chapter, and shall conform with other applicable laws\nrelating to the regulation of fire insurance.\n\nC. For the purpose of more accurate identification of the subject matter or more\naccurate reference to other provisions, substitutions may be made in the\nstandard insuring agreement for the words “above specified,”\n“hereinafter,” or other similar terms; but no substitution shall be\nmade if the purpose and intent of the contract is changed by the substitution.\n\nHISTORY: Code 1950, \u00a7\u00a7 38-186, 38-190; 1950, pp. 994, 995; 1952, c. 317, \u00a7\u00a7\n38.1-365, 38.1-367; 1986, c. 562.","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}}