A fire confined to the place it is supposed to be, e.g., in the fireplace; in the incinerator. See Hostile Fire.
A false statement made knowing it to be false and intending another to act on it to his detriment, or made carelessly or recklessly without regard to whether it is true or false. In insurance it is most frequently found…
Dishonest; based on or obtained by fraud.
Methods used to deceive to cause unwarranted favourable decision for one’s own benefit. Deliberate misrepresentation or misstatement. Concealment of facts which should at the time be made known.
An unforeseen accident – i.e., an event neither deliberately caused by the insured nor bound to happen in the ordinary course of events.
An accidental cause. A happening by chance.
An insurance policy itself or riders and endorsements attached to it.
In general, any false writing with intent to defraud.
Additional coverage for movable items, like jewellery or antiques, beyond what’s included in the basic homeowner policy. Also called a “rider” or “endorsement”.