                                 CODE OF VIRGINIA

STANDARD INSURING AGREEMENT FOR FIRE INSURANCE POLICIES (§ 38.2-2104)

A. 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 &#xA7; 38.2-2107, each
policy shall contain the following insuring agreement:
			In 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.
			Assignment of this policy shall not be valid except with the written consent
of this Company.
			This 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. 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.

C. 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 &#8220;above specified,&#8221;
&#8220;hereinafter,&#8221; or other similar terms; but no substitution shall be
made if the purpose and intent of the contract is changed by the substitution.

HISTORY: Code 1950, §§ 38-186, 38-190; 1950, pp. 994, 995; 1952, c. 317, §§
38.1-365, 38.1-367; 1986, c. 562.