374.400. Unless otherwise clearly indicated by the context, thefollowing words and terms as used in sections 374.400 to 374.410 shall mean:
(1) "Director", the director of the department of insurance, financialinstitutions and professional registration;
(2) "Dwelling-owners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' actual cash value;
(3) "Homeowners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' replacement value;
(4) "Insurer", any insurance company, reciprocal or inter-insuranceexchange, licensed and authorized by the director to write homeowners'insurance, dwelling-owners' insurance, renters' or tenants' insurance, orresidential 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 oneor more perils of casualty, liability, or other types of insurance within onepolicy form at a single premium, where the insurer's liability for damage tothe contents of the premises* under said policy is determined with referenceto the contents' actual cash value;
(6) "Residential fire insurance", a policy of insurance which providesfire coverage or fire and allied lines coverage on a residential premises*within one policy form, where the insurer's liability for damage to thepremises* under said policy is determined with reference to the premises'actual cash value.
374.400. Unless otherwise clearly indicated by the context, thefollowing words and terms as used in sections 374.400 to 374.410 shall mean:
(1) "Director", the director of the department of insurance, financialinstitutions and professional registration;
(2) "Dwelling-owners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' actual cash value;
(3) "Homeowners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' replacement value;
(4) "Insurer", any insurance company, reciprocal or inter-insuranceexchange, licensed and authorized by the director to write homeowners'insurance, dwelling-owners' insurance, renters' or tenants' insurance, orresidential 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 oneor more perils of casualty, liability, or other types of insurance within onepolicy form at a single premium, where the insurer's liability for damage tothe contents of the premises* under said policy is determined with referenceto the contents' actual cash value;
(6) "Residential fire insurance", a policy of insurance which providesfire coverage or fire and allied lines coverage on a residential premises*within one policy form, where the insurer's liability for damage to thepremises* under said policy is determined with reference to the premises'actual cash value.
374.400. Unless otherwise clearly indicated by the context, thefollowing words and terms as used in sections 374.400 to 374.410 shall mean:
(1) "Director", the director of the department of insurance, financialinstitutions and professional registration;
(2) "Dwelling-owners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' actual cash value;
(3) "Homeowners' insurance", a policy of insurance on a one- ortwo-family owner-occupied premises* which combines fire and allied lines withany one or more perils of casualty, liability, or other types of insurancewithin one policy form at a single premium, where the insurer's liability fordamage to the premises* under said policy is determined with reference to thepremises' replacement value;
(4) "Insurer", any insurance company, reciprocal or inter-insuranceexchange, licensed and authorized by the director to write homeowners'insurance, dwelling-owners' insurance, renters' or tenants' insurance, orresidential 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 oneor more perils of casualty, liability, or other types of insurance within onepolicy form at a single premium, where the insurer's liability for damage tothe contents of the premises* under said policy is determined with referenceto the contents' actual cash value;
(6) "Residential fire insurance", a policy of insurance which providesfire coverage or fire and allied lines coverage on a residential premises*within one policy form, where the insurer's liability for damage to thepremises* under said policy is determined with reference to the premises'actual cash value.
