CHAPTER 3: STANDARD FIRE POLICY, …
3-1 CHAPTER 3: STANDARD fire policy , homeowner AND DWELLING POLICIES Let s STANDARD fire policy The STANDARD fire policy (SFP) was first used in the New York in the beginning of the 20th century. It s design was structured so well, it soon became the model for Personal and Commercial Property Insurance for all other states. In California, the policy is referred to as the California STANDARD Form fire policy . According to the California Insurance Code, all fire policies on subject matter in California shall be on the STANDARD form, and except as provided by this article shat not contain additions thereto.
3-5 Property Coverages A homeowners policy includes a number of different coverages, which provide a sort of loose checklist of the kinds of exposures the insured may face:
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