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California Insurance Code Section 102

Legal Research Home > California Lawyer > Insurance Code > California Insurance Code Section 102

Fire insurance includes:
   (a) Insurance against loss by fire, lightning, windstorm, tornado,
or earthquake.
   (b) Insurance against loss of, or destruction of, or damage to,
any of the following property, when such insurance includes loss
thereof by fire and excludes coverage of property while in the
custody of, or possession of, or being transported by, any carrier
for hire or in the mail:
   1. Accounts, books, maps, manuscripts, indexes and other valuable
papers, documents and records incidental to the business or
profession or activity in which the insured is engaged, resulting
from any cause, but excluding any article constituting stock in trade
or used as a sample or sold or held for sale.
   2. Moneys, stamps, coins, bullion, securities, notes, drafts,
acceptances or instruments of like kind or character, resulting from
any cause, except:
   (i) Forgery.
   (ii) Any dishonest, fraudulent or criminal act of any officer,
employee, partner, director, trustee or authorized representative of
the insured.
   (c) Insurance by means of an all-risk policy of the type commonly
known as the "Personal Property Floater" against any and all kinds of
loss of or damage to, or loss of use of, any personal property other
than merchandise.
   The provisions of Section 2070 shall not apply to insurance
written pursuant to subdivisions (b) or (c).

Last modified: January 12, 2009