Missouri § 374.400 - Definitions.
Full text of Missouri Revised Statutes of Missouri § 374.400 — Definitions., with citation guidance and answers to common questions.
§ 374.400. Definitions.
Unless otherwise clearly indicated by the context, the following words and terms as used in sections 374.400 to 374.410 shall mean:
(1) "Director", the director of the department of commerce and insurance;
(2) "Dwelling-owners' insurance", a policy of insurance on a one- or two-family owner-occupied premises* which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' actual cash value;
(3) "Homeowners' insurance", a policy of insurance on a one- or two-family owner-occupied premises* which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' replacement value;
(4) "Insurer", any insurance company, reciprocal or inter-insurance exchange, licensed and authorized by the director to write homeowners' insurance, dwelling-owners' insurance, renters' or tenants' insurance, or residential 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 one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the contents of the premises* under said policy is determined with reference to the contents' actual cash value;
(6) "Residential fire insurance", a policy of insurance which provides fire coverage or fire and allied lines coverage on a residential premises* within one policy form, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' actual cash value.
--------
(L. 1978 H.B. 1302 § 1)
*Word "premise" appears in original rolls.
---- end of effective 28 Aug 1978 ----
Frequently Asked Questions About Missouri § 374.400
What does Revised Statutes of Missouri § 374.400 cover?
Section 374.400 ("Definitions.") is part of the Revised Statutes of Missouri, the codified statutory law of Missouri. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Missouri § 374.400?
A common citation format is "Revised Statutes of Missouri § 374.400" (Missouri). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Missouri law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Missouri official source linked on this page or consult a licensed Missouri attorney.
How does Missouri § 374.400 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Missouri can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Missouri.