20-1507. Riders; endorsements; additional
perils


A. Appropriate forms of additional contracts, riders or endorsements, insuring
against indirect or consequential loss or damage, or against any one or more perils other
than those of fire and lightning, or providing coverage which the insurer issuing the
policy is authorized by charter and by the laws of this state to assume or issue, may be
used in connection with the standard fire policy.


B. Such other perils or coverages may include those excluded in the standard fire
insurance policy, and may include any of the perils or coverages permitted to be insured
against or issued by property and casualty insurers. Such forms of contracts, riders and
endorsements may contain provisions and stipulations inconsistent with such standard fire
insurance policy, if such provisions and stipulations are applicable only to such
additional coverage or to the additional peril or perils insured against.