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MISSOURI STATUTES AND CODES

379.155. Coinsurance provisions declared void--exception.

Coinsurance provisions declared void--exception.

379.155. No fire insurance policy which may be issued afterthis section takes effect shall contain any clause or provisionrequiring the assured to take out or maintain a larger amount ofinsurance than that covered by such policy, nor in any wayproviding that the assured shall be liable as coinsurer with thecompany issuing the policy for any part of the loss or damagewhich may be occasioned by fire or lightning to the propertycovered by such policy, nor making provisions for a reduction ofsuch loss or damage, or any part thereof, by reason of thefailure of the assured to take out and maintain other insuranceupon said property. And all clauses and provisions in firepolicies, issued after the taking effect of this section, incontravention of the prohibitions in this section contained,shall be ab initio void and of no effect; provided, that theprovisions of this section shall not apply to policies issuedupon personal property in cities which now contain or which mayhereafter contain one hundred thousand inhabitants or morewhenever the insured sign an agreement endorsed across the faceof said policy to be exempt from the provisions thereof.

(RSMo 1939 § 5933)

Prior revisions: 1929 § 5822; 1919 § 6232; 1909 § 7023

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