Standard Fire Insurance Policy

 An Analysis

 Summary: This discussion reviews the provisions found in the 1943 New York standard fire policy. The background and general development of standard fire policies are considered, then the 1943 New York standard fire policy’s general arrangement, insuring clause, and nonassignment provision are discussed. Provisions regarding acts that void coverage, uninsurable and excepted property, hazards not covered, and the neglect in preserving property provision are also explained. Other policy provisions are reviewed and the complete text of the policy is reproduced at the end of the section. The FC&S includes this material because the provisions of the 1943 New York standard fire policy have been statutorily incorporated into modern property forms.