Missouri § 374.400 Definitions.

Missouri Statutes

§ 374.400 — Definitions.

Missouri § 374.400

Title XXIVBUSINESS AND FINANCIAL INSTITUTIONS

Ch. 374Department of Commerce and Insurance

This text of Missouri § 374.400 (Definitions.) is published on Counsel Stack Legal Research, covering Missouri primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Mo. Rev. Stat. § 374.400 (2026).

Text

Unless otherwise clearly indicated by the context, the following words and terms as used in sections 374.400 to 374.410 shall mean:

(1)"Director" , the director of the department of commerce and insurance;

(2)"Dwelling-owners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises * which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises * under said policy is determined with reference to the premises' actual cash value;

(3)"Homeowners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises * which combines fire and allied lines with any one or more perils of casualty,

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Unless otherwise clearly indicated by the context, the following words and terms as used in sections 374.400 to 374.410 shall mean:

(1) "Director" , the director of the department of commerce and insurance;

(2) "Dwelling-owners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises * which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises * under said policy is determined with reference to the premises' actual cash value;

(3) "Homeowners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises * which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises * under said policy is determined with reference to the premises' replacement value;

(4) "Insurer" , any insurance company, reciprocal or inter-insurance exchange, licensed and authorized by the director to write homeowners' insurance, dwelling-owners' insurance, renters' or tenants' insurance, or residential fire insurance upon property located within this state;

(5) "Renters' or tenants' insurance" , a policy of insurance on a single- or multiple-family premises * which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the contents of the premises * under said policy is determined with reference to the contents' actual cash value;

(6) "Residential fire insurance" , a policy of insurance which provides fire coverage or fire and allied lines coverage on a residential premises * within one policy form, where the insurer's liability for damage to the premises * under said policy is determined with reference to the premises' actual cash value.