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;

Terms Used In Missouri Laws 374.400

  • Department: the department of commerce and insurance. See Missouri Laws 374.005
  • Director: the director of the department of commerce and insurance. See Missouri Laws 374.005
  • following: when used by way of reference to any section of the statutes, mean the section next preceding or next following that in which the reference is made, unless some other section is expressly designated in the reference. See Missouri Laws 1.020
  • Property: includes real and personal property. See Missouri Laws 1.020
  • State: when applied to any of the United States, includes the District of Columbia and the territories, and the words "United States" includes such district and territories. See Missouri Laws 1.020

(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.

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