A. The Commission may establish standards for the content of any policy or any rider, endorsement or other supplemental agreement or provision for use in connection with any policy written to insure owner-occupied dwellings which is to be issued or delivered in this Commonwealth.
B. Following adoption of the standards of content and notwithstanding the provisions of §§ 38.2-2104, 38.2-2105 and 38.2-2106, no insurer shall issue or renew any policy or any rider, endorsement, or other supplemental agreement or provision for use in connection with any policy written to insure owner-occupied dwellings unless the policy form has been filed with the Commission. The Commission shall determine whether the policy form meets the standards of content and is in compliance with any other statutory requirements.
C. Nothing in this section prevents an insurer from issuing policies with coverages, terms and conditions which are broader and more favorable to the insured than the standards established by the Commission. The language, style and format of the coverages, terms and conditions shall be consistent with the language, style and format of the entire policy form.
1979, c. 457, § 38.1-367.2; 1986, c. 562.
Structure Code of Virginia
Chapter 21 - Fire Insurance Policies
§ 38.2-2100. Application of chapter
§ 38.2-2101. Policies shall conform to provisions of this chapter
§ 38.2-2103. Information to be printed on policy
§ 38.2-2104. Standard insuring agreement for fire insurance policies
§ 38.2-2105. Standard provisions, conditions, stipulations and agreements for such policies
§ 38.2-2106. Standard form for execution of policies
§ 38.2-2107. Commission may establish guidelines for filing readable fire insurance policy forms
§ 38.2-2108. Standards for content of fire insurance policies
§ 38.2-2108.1. Commercial fire insurance policies; changes to amount of coverage
§ 38.2-2109. Execution of policies
§ 38.2-2110. Other matter permitted in the policy
§ 38.2-2111. Special regulations to be added to policy
§ 38.2-2112. Temporary insurance contracts; duration; what deemed to include
§ 38.2-2113. Mailing or electronic delivery of notice of cancellation or refusal to renew
§ 38.2-2114.1. Powers of Commission; replacement policies
§ 38.2-2115. Discrimination in issuance of fire insurance
§ 38.2-2116. Policies issued by two or more insurers
§ 38.2-2117. Approval of forms or provisions for additional coverage
§ 38.2-2118. Required statement on insurance policies for owner-occupied dwellings
§ 38.2-2119. Approval of forms or provisions for certain risks
§ 38.2-2120. Optional coverage to be offered with homeowner's policy
§ 38.2-2121. When courts may appoint umpires
§ 38.2-2122. Appraisers and umpires; oath to be taken
§ 38.2-2123. Chapter not applicable to certain mutual insurers
§ 38.2-2124. Optional coverage to be offered with fire insurance policy
§ 38.2-2125. Notice regarding flood exclusion
§ 38.2-2126. Insurance credit score disclosure; use of credit information
§ 38.2-2127. Notice of change in deductible
§ 38.2-2128. Certain exclusions permitted