The Providence news. (Providence [R.I.]) 1891-1906, 1895-07-31


| No
Corporate name OF the company or associa-
| tion; tho name of the state or country under
whose laws 10 is chartered; its home oifoe.)
In consideration of the stipulations herein
| named and Of dollars premium, does In
sure for the term of
from the day OF at noon, 10 tho
| day Of at noon. sgainst all direct
| loss or damage by fire, except as hereinafter
! provided. 10 an amount not exceeding
dollars, 10 the following described property
| while located and contained AS described here
In and not elsewhere, 20 wit:
| This company shall not be liable beyond the
actual cash value of the property at the time
| any loss or damage occurs, and the less or
| damage shall be ascertaincd or estimated ac
| cording 10 such actual cash value with proper
| deduction for depreciation, however caused,
and snail In no event exceed what II would
then cost the insured 20 repair or replace tho
1 same with material OF like kind and quality:
said asecrtainment or estimate shall be made
| by the insured and this company, or, IL they
| differ, then by appraisers, as hereinafter pro-
| vided; end, the amount Of loss or damage hav
I ing been thus determined, the sum for which
| this company ~ liable pursuant 20 this policy
shall be payable sixty days after due notice
| ascertainment estimate, and satisfactory
| proof OF the loss have been received by this
| company in accordance with the terms of this
| policy. !. shall DO optional however, with
| articles at such ascertained appraised val
ne, and also to repair rebuild or replace the
| property lost or damaged with other Of like
! kind and quality within reasonable time
| giving notice, within thirty days after the re-
| ceipt OF the proof herein required, Of it's in-
tention so 10 do but there can be no abandon
ment to this company of the property describ-
| ed.
This entire policy shall be void il the insur-
ed has concealed or misrepresented, in writ
| ing or otherwise, any material fact or circum-
| stance concerning tfis insurance or the sub
ject thereof; or If the inter - Of the insured
| I'm the property be not truly seated herein; or
In OF any fraud or false swearing by the
insured touching any matter relating TO this
insurance or the subject thereof, whether be-
| fore after loss.
| This entire policy, unless otherwise provid.
| ed by agreement endorsed horeon or added
| hereto, shall be void IL tho insured now has or
shall hereafter make or procure any other
| contract u insurance. whether valid or not.
on property covered in whole or in part by
this policy; or II the subject Of insurance be
| a manufacturing establishment and 10 be OPP
Grated in whole or In part at night later than
10 o'clock; or II IL cease TO be operated for
more than ten consecutive days or IL the
hazard be increased by any means within the
control or knowledge of the insured OF II me-
chanics bs employed in building altering or
repairing the within described premises for
more than fifteen days at any one time or IL
the interest OF tho insured be other than
conditional and sole ownership; or IL the sub
iect of insurance be n building on ground not
owned by the Insured in fee-simple; or IL the
subject Of insurance be personal property and
| be or become incumbered by a chattel mort
gage; or IT, with the knowledge of the insur-
ed, foreclosure proceedings be commenced or
| notice given OF sale Of any property covered
by this policy by virtue of any mortgage or
| trust deed OF IL any change, other than by
| the death Of insured, take place in the in
| terest, title or possession of the subject OF In.
| surance texcept change Of occupants without
increase Of hazard) whether by legal process
| or judgment or by voluntary act OF the insur-
ed, otherwise: or if this policy be- assigned
before loss; or IL illuminating gas vapor
be generated in the described building tor adj
| jacent theretol for therein or IL tany
| usage or custom of trade or manufacture to
the contrary Notwithstanding there be kept,
used, or allowed on the above described prem
ises, benzine. benzole, dynamite ether, fire.
| works, gasoline, greek fire, gunpowder
ceeding twenty five pounds in quantity, nap
tina, nitro-glycerine or other explosives, phos-
| phorus, or petroleum or any of it's products Of
greater infiammability than kerosene oil OF
the United States standard (which last may
| be used for lights and kept for sale according
| to law, but in quantities not exceeding tive
barrels provided IL be drawn and lamps filled
by daylight OF at a distance not less than ten
| feet from artificial lght); or II building
herein described, whether intended for occu-
| pancy by owner or tenant, be or become va
| cant or unoccupied and SO remain for ten days
This company shall not be liable for loss
caused directly indirectly by invasion, in
surrection, riot, civil war or commotion, or
military or usurped power. or by order of any
civil authority; or by theft; or by Neglect Of
| the insured 10 use all reasonable means tn
save and preserve the property at and after
fire, or when the property Is endangered oy
| fire in neighbcring premises; or (unless fire
/ aud, ,t, hat tyanf for fha 1af
| fire only by explosion of any kind, OF ligns-
ming; but liability for direct damage by light
ming may be assumed by specific agreement
bereon.
I a building or any part thereof fall. except
as the result OF fire. AL insurance by this pol
icy on such building or its contents shall inn
mediately cease.
This company shall not be liable for loss to
accounts, bills, currency, deeds evidences OF
debt, money. notes or securities; nor unless
liability Is specifically assumed hereon' for
bss to awnings, bullion, casts curiosities,
drawings, dies, implements, jewels. manu-
scripts, medals. models, patterns, pictures,
scientific apparatus. signs, store or office FUR
| nture or fixtures, sculpture, tools. or prop
, 4 erty held on storage or for repairs; nor, be-
| yond the actual value destroyed by fire, for
, loss occasioned by ordinance or law regulating
| construction or repair OF buildings, or by In
| terruption of business manufacturing proc
| esses, or otherwise: nor for any greater pro-
, | portion OF the value OF plate glass, frescoes'
and decorations than that wh,nh this polio
shall bear TO tho whole Insurance on th
building described.
II an application, survey. plan. or dcscrir
tion OF property be referred 70 In this polio
II shall be part of this contract and wal
a | ranty by the insured.
In any matter relating 10 this Insurance, n
. person, unless duly authorized in writin:
shall be deemed the agent Of this company.
n This policy may by a renewal be continue
|, undor the original stipulations, IN considers
4 ton OF premium for tho renewed term, pre-
a vided that any increase of hazard must
made known To- this company at the time {
a renewal or this policy shall be void.
:. This policy shall bo cancelled at any time
Il tine request Of the insured; or by the compan
|, by giving five days notice Of such cancelli
= tion. IL this policy shall be cancelled as herr
I, inbefore provided, or become void or ceas
q the premium having been actually paid, th
v unearned portion shall be returned on surrei
der of this policy last renewal. this con
pap ratninipu flp uetomarV short rate. p