reglab/housing_qa huggingface dataset:
VA Code § 38.2-109 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-109. Accident and sickness

A. "Accident and sickness insurance" means insurance against loss resulting from sickness, or from bodily injury or death by accident or accidental means, or from a combination of any or all of these perils. As used in this title, unless the context requires otherwise, the term "accident and sickness insurance" shall be deemed to include "credit accident and sickness insurance."B. The term "accident and sickness insurance" shall also include agreements insuring against losses resulting from health care claims or expenses of health care in excess of a specific or aggregate dollar amount, when such agreements are used to provide coverage to (i) an employee welfare benefit plan or any other plan providing accident and sickness benefits, (ii) a health maintenance organization, or (iii) a provider associated with a managed care network, provided:1. The agreement clearly discloses the extent and duration of the liability assumed by the insurer once the policyholder's liability has been exceeded; and2. The insurer maintains reserves in accordance with § 38.2-1314 for the liability it assumes under the agreement.Such agreements shall not be subject to the requirements of Chapters 34 (§ 38.2-3400 et seq.) and 35 (§ 38.2-3500 et seq.) of this title.1952, c. 317, § 38.1-5; 1986, c. 562; 1997, c. 28.
VA Code § 38.2-110 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-110. Fire

Fire insurance means insurance against loss of or damage to any property resulting from fire, including loss or damage incident (i) to extinguishing a fire, or (ii) to the salvaging of property in connection with a fire.1952, c. 317, § 38.1-6; 1986, c. 562.
VA Code § 38.2-111 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-111. Miscellaneous property and casualty

A. "Miscellaneous property insurance" means insurance against loss of or damage to property resulting from:1. Lightning, smoke or smudge, windstorm, tornado, cyclone, earthquake, volcanic eruption, rain, hail, frost and freeze, weather or climatic conditions, excess or deficiency of moisture, flood, the rising of the waters of the ocean or its tributaries; or2. Insects, blights, or disease of such property other than animals; or3. Electrical disturbance causing or concomitant with a fire or an explosion; or4. The ownership, maintenance or use of elevators, except loss or damage by fire. This class of insurance includes the incidental power to make inspections of and to issue certificates of inspection upon any such elevator; or5. Bombardment, invasion, insurrection, riot, civil war or commotion, military or usurped power, any order of a civil authority made to prevent the spread of a conflagration, epidemic or catastrophe, vandalism or malicious mischief, strike or lockout, collapse from any cause, or explosion; but not including any kind of insurance specified in § 38.2-115, except insurance against loss or damage to property resulting from:a. Explosion of pressure vessels, except steam boilers of more than fifteen pounds pressure, in buildings designed and used solely for residential purposes by not more than four families;b. Explosion of any kind originating outside of the insured building or outside of the building containing the insured property;c. Explosion of pressure vessels not containing steam; ord. Electrical disturbance causing or concomitant with an explosion; or6. Any other cause or hazard which may result in a loss or damage to property, if the insurance is not contrary to law or public policy.B. "Miscellaneous casualty insurance" means insurance against liability, and against loss, damage, or expense arising out of injury to the economic interests of any person, but not including any class of insurance otherwise specified in this title, provided that such insurance is not contrary to law or public policy, except that any policy of miscellaneous casualty insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death, dismemberment, sickness, or injury of any person, and death and dismemberment benefits in the event of death or dismemberment, if the death, dismemberment, sickness, or injury is caused by or is incidental to a cause of loss insured under the policy.1952, c. 317, §§ 38.1-7, 38.1-12; 1986, c. 562; 2004, c. 182; 2007, c. 762.
VA Code § 38.2-112 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-112. Water damage

Water damage insurance means insurance against loss or damage to any property by water or other fluid or substance resulting from (i) the breakage or leakage of sprinklers, pumps or other apparatus erected for extinguishing fires or of water pipes or other conduits or containers, or (ii) casual water entering through leaks or openings in buildings or by seepage through building walls, but not including loss or damage resulting from flood or the rising of the waters of the ocean or its tributaries. This class of insurance includes insurance against accidental injury of such sprinklers, pumps, fire apparatus, conduits or containers.1952, c. 317, § 38.1-8; 1986, c. 562.
VA Code § 38.2-113 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-113. Burglary and theft

Burglary and theft insurance means insurance against:1. Loss of or damage to any property resulting from actual or attempted burglary, theft, larceny, robbery, forgery, fraud, vandalism, malicious mischief, wrongful confiscation or wrongful conversion, disposal or concealment by any person or persons;2. Loss of or damage to moneys, coins, bullion, securities, notes, drafts, acceptances or any other valuable papers or documents, resulting from any cause, except while in the custody or possession of and being transported by any carrier for hire or in the mail; or3. The loss of property actually surrendered due to extortion, threat, or demand, involving the actual, alleged or threatened kidnapping of any individual or the threat to do bodily injury to or damage to property of or to wrongfully abduct or detain any individual.Any policy of burglary and theft insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death, dismemberment, sickness, or injury of any person, and death and dismemberment benefits in the event of death or dismemberment, if the death, dismemberment, sickness, or injury is caused by or is incidental to a cause of loss insured under the policy.1952, c. 317, § 38.1-9; 1986, c. 562; 2007, c. 762.
VA Code § 38.2-114 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-114. Glass insurance

Glass insurance means insurance against loss of or damage to glass and its appurtenances resulting from any cause.1952, c. 317, § 38.1-10; 1986, c. 562.
VA Code § 38.2-115 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-115. Boiler and machinery

Boiler and machinery insurance means insurance against any liability of the insured and against loss of or damage to any property of the insured resulting from the explosion of or injury to (i) any boiler, heater or other fired pressure vessel; (ii) any unfired pressure vessel; (iii) any pipes or containers connected with any of the boilers or vessels; (iv) any engine, turbine, compressor, pump or wheel; (v) any apparatus generating, transmitting or using electricity; or (vi) any other machinery or apparatus connected with or operated by any of the previously named boilers, vessels or machines. Boiler and machinery insurance includes the incidental power to inspect and to issue certificates of inspection upon any such boilers, pressure vessels, apparatus, and machinery.1952, c. 317, § 38.1-11; 1986, c. 562.
VA Code § 38.2-116 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-116. Animal

Animal insurance means insurance against loss of or damage to any animal resulting from any cause.1952, c. 317, § 38.1-13; 1986, c. 562.
VA Code § 38.2-117 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-117. Personal injury liability

Personal injury liability insurance means insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the death or injury of any person, or arising out of injury to the economic interests of any person as the result of negligence in rendering expert, fiduciary or professional service, but not including any class of insurance specified in § 38.2-119.Any policy of personal injury liability insurance may include appropriate provisions obligating the insurer to pay medical, hospital, surgical, and funeral expenses arising out of the death or injury of any person, regardless of any legal liability of the insured.Code 1950, § 38-239; 1952, c. 317, § 38.1-15; 1986, c. 562.
VA Code § 38.2-118 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-118. Property damage liability

Property damage liability insurance means insurance against legal liability of the insured, and against loss, damage or expense incident to a claim of such liability, arising out of the loss or destruction of, or damage to, the property of any other person, but not including any class of insurance specified in § 38.2-117 or § 38.2-119.1952, c. 317, § 38.1-16; 1986, c. 562.
VA Code § 38.2-119 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-119. Workers' compensation and employers' liability

Workers' compensation and employers' liability insurance means insurance against the legal liability of any employer for the death or disablement of, or injury to, his or its employee whether imposed by common law or by statute, or assumed by contract.Employers' liability insurance may include appropriate provisions obligating the insurer to pay medical, chiropractic, hospital, surgical, and funeral expenses arising out of the death or injury of an employee, regardless of any legal liability of the insured.1952, c. 317, § 38.1-17; 1986, c. 562.
VA Code § 38.2-120 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-120. Fidelity

Fidelity insurance means:1. Indemnifying any person against loss through counterfeit, forgery or alteration of, on, or in any security obligation or other written instrument; or2. Indemnifying banks, bankers, brokers, financial or moneyed corporations or associations against loss resulting from any cause, of personal property, including fixtures, equipment, safes and vaults on the insured's premises.1952, c. 317, § 38.1-18; 1986, c. 562.
VA Code § 38.2-121 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-121. Surety

Surety insurance means:1. Becoming surety or guarantor for any person, in any public or private position or place of trust, whether the guarantee is in an individual, schedule or blanket form; or2. Becoming surety on or guaranteeing the performance of any lawful obligation, undertaking, agreement, or contract, including reinsurance contracts connected therewith, except policies of insurance; or3. Becoming surety on or guaranteeing the performance of bonds and undertakings required or permitted in all judicial proceedings or otherwise allowed by law, including surety bonds accepted by state and municipal authorities in lieu of deposits as security for the performance of insurance contracts.1952, c. 317, § 38.1-18; 1986, c. 562.
VA Code § 38.2-122 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-122. Credit

Credit insurance means indemnifying merchants or other persons extending credit against loss or damage resulting from the nonpayment of debts owed to them. "Credit insurance" includes the incidental power to acquire and dispose of debts so insured and to collect any debts owed to the insurer or to any persons so insured by the insurer. "Credit insurance" does not include any insurance defined in §§ 38.2-103, 38.2-108, 38.2-122.1, 38.2-122.2 or § 38.2-128.1952, c. 317, § 38.1-19; 1986, c. 562; 2000, c. 526.
VA Code § 38.2-122.1 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-122.1. Credit involuntary unemployment insurance

Credit involuntary unemployment insurance means insurance on a debtor in connection with a specified loan or other credit transaction to provide payment to a creditor for the installment payments or other periodic payments becoming due (i) while the debtor is involuntarily unemployed, or (ii) while the debtor is on an unpaid leave of absence during which employment does not terminate. Such term shall not mean any insurance defined in §§ 38.2-108, 38.2-109 or § 38.2-122.1993, c. 774; 2000, c. 526.
VA Code § 38.2-122.2 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-122.2. Credit property insurance

Credit property insurance means insurance against direct physical damage to personal household property used as security for a loan or other credit transaction. Such insurance may insure the creditor as sole beneficiary or may insure both the creditor and the debtor with the creditor as primary beneficiary and the debtor as beneficiary of proceeds not paid to the creditor. For purposes of this definition, "personal household property" does not include motor vehicles, mobile homes, or watercraft. The term "credit property insurance" shall not mean any insurance defined in § 38.2-122.2000, c. 526.
VA Code § 38.2-123 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-123. Title

Title insurance means insurance against loss by reason of liens and encumbrances upon property, defects in the title to property, and other matters affecting the title to property or the right to the use and enjoyment of property. "Title insurance" includes insurance of the condition of the title to property and the status of any lien on property.Code 1950, § 38-233; 1952, c. 317, § 38.1-20; 1986, c. 562.
VA Code § 38.2-124 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-124. Motor vehicle

A. "Motor vehicle insurance" means insurance against:1. Loss of or damage to motor vehicles, including trailers, semitrailers or other attachments designed for use in connection with motor vehicles, resulting from any cause, and against legal liability of the insured for loss or damage to the property of another resulting from the ownership, maintenance or use of motor vehicles and against loss, damage or expense incident to a claim of such liability; or2. Legal liability of the insured, and liability arising under subsection A of § 38.2-2206 and against loss, damage, or expense incident to a claim of such liability, arising out of the death or injury of any person resulting from the ownership, maintenance or use of motor vehicles. Motor vehicle insurance does not include any class of insurance specified in § 38.2-119.B. Any policy of "motor vehicle insurance" covering legal liability of the insured under subdivision 2 of subsection A and covering liability arising under subsection A of § 38.2-2206 may include appropriate provisions obligating the insurer to pay to the covered injured person medical expense and loss of income benefits arising out of the death or injury of any person, as set forth in subsection A of § 38.2-2201. Any such policy of motor vehicle insurance may include appropriate provisions obligating the insurer to pay weekly indemnity or other specific benefits to persons who are injured and specific death benefits to dependents, beneficiaries or personal representatives of persons who are killed, if the injury or death is caused by accident and sustained while in or upon, entering or alighting from, or through being struck by a motor vehicle while not occupying a motor vehicle. These provisions shall obligate the insurer to make payment regardless of any legal liability of the insured or any other person.1952, c. 317, § 38.1-21; 1956, c. 678; 1962, c. 253; 1983, c. 448; 1984, c. 311; 1986, c. 562; 1991, c. 4; 1996, c. 276.
VA Code § 38.2-125 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-125. Aircraft

Aircraft insurance means insurance against:1. Loss of or damage to aircraft and its equipment, resulting from any cause, and against legal liability of the insured for loss of or damage to the property of another resulting from the ownership, maintenance or use of aircraft and against loss, damage or expense incident to a claim of liability; or2. Legal liability of the insured, and against loss, damage, or expense incident to a claim of liability, arising out of the death or injury of any person resulting from the ownership, maintenance or use of aircraft.Any policy of "aircraft insurance" covering legal liability of the insured under subdivision 2 of this section may include appropriate provisions obligating the insurer to pay medical, chiropractic, hospital, surgical, and funeral expenses arising out of the death or injury of any person.1952, c. 317, § 38.1-21; 1956, c. 678; 1962, c. 253; 1983, c. 448; 1984, c. 311; 1986, c. 562.
VA Code § 38.2-127 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-127. Legal services insurance

Legal services insurance means the assumption of a contractual obligation to reimburse the insured against, or pay on behalf of the insured, all or a portion of his fees, costs, and expenses related to services performed by or under the supervision of an attorney licensed to practice in the jurisdiction where the services are performed.1976, c. 636, § 38.1-22.1; 1978, c. 658; 1986, c. 562.
VA Code § 38.2-128 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-128. Mortgage guaranty insurance

Mortgage guaranty insurance means indemnifying lenders against financial loss arising from nonpayment of principal, interest, or other sums due under the terms of any evidence of indebtedness secured by a mortgage, deed of trust, or other instrument constituting a lien or charge on real property.1986, c. 562.
VA Code § 38.2-129 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-129. Home protection insurance

Home protection insurance means any contract or agreement whereby a person undertakes for a specified period of time and for a predetermined fee to furnish, arrange for, or indemnify for service, repair, or replacement of any or all of the structural components, parts, appliances, or systems of any covered residential dwelling caused by wear and tear, deterioration, inherent defect, or by the failure of any inspection to detect the likelihood of failure.1986, c. 562.
VA Code § 38.2-130 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-130. Homeowners insurance

Homeowners insurance is a combination multi-peril policy written under the provisions of § 38.2-1921 containing fire, miscellaneous property, and liability coverages, insuring primarily (i) owner-occupied residential real property pursuant to § 38.2-2108, (ii) personal property located in residential units, or (iii) any combination thereof.1986, c. 562.
VA Code § 38.2-131 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-131. Farmowners insurance

Farmowners insurance is a combination multi-peril policy written under the provisions of § 38.2-1921 containing fire, miscellaneous property, and liability coverages, insuring primarily (i) farm and related residential property and improvements to real property owned, leased, or operated as a farm, (ii) personal property located in residential units, (iii) other real or personal property usual or incidental to the operation of a farm, or (iv) any combination thereof.1986, c. 562.
VA Code § 38.2-132 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-132. Commercial multi-peril insurance

Commercial multi-peril insurance is a combination multi-peril policy written under the provisions of § 38.2-1921 insuring risks incident to a commercial enterprise containing any combination of the classes of insurance set forth in subsection A of § 38.2-1902, except insurance on or with respect to operating properties of railroads.1986, c. 562.
VA Code § 38.2-133 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-133. Contingent and consequential losses

The definition of any class of insurance against loss of or damage to property enumerated in this article may include insurance against contingent, consequential and indirect losses resulting from any of the causes set out in this article. Coverage for these losses shall be included in the specific grouping of the class of insurance where the cause is specified. Insurance against loss of or damage to property may include insurance against loss or damage to all lawful interests in the property, and against loss of use and occupancy, rents, and profits resulting from the loss or damage.1952, c. 317, § 38.1-23; 1986, c. 562.
VA Code § 38.2-134 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-134. Definitions to include other insurance of same general kind

The definition of any class of insurance enumerated in this article shall include insurance against other loss, damage or liability of the same general nature or character, or of a similar kind, if the insurance may reasonably and properly be included in the definition and is not specifically included in the definition of some other class of insurance.1952, c. 317, § 38.1-24; 1986, c. 562.
VA Code § 38.2-135 (2021)
2021 Code of Virginia|Title 38.2 - Insurance|Chapter 1 - General Provisions|§ 38.2-135. Classes of insurance companies may be licensed to write

Except as otherwise provided in this title and subject to any conditions and restrictions imposed therein, any insurer licensed to transact the business of insurance in this Commonwealth, other than life insurers and title insurers, may be licensed to write one or more of the classes of insurance enumerated in Article 2 (§ 38.2-101 et seq.) of this chapter that it is authorized under its charter to write, except life insurance, industrial life insurance, credit life insurance, variable life insurance, modified guaranteed life insurance, annuities, variable annuities, modified guaranteed annuities, and title insurance. An insurer licensed to write life insurance shall not be licensed to write any additional class of insurance except modified guaranteed life insurance, variable life insurance, annuities, modified guaranteed annuities, variable annuities, credit life insurance, credit accident and sickness insurance, accident and sickness insurance, and industrial life insurance. An insurer licensed to write title insurance shall not be licensed to write any additional class of insurance. However, any life insurer that has been licensed to write and has been actively engaged in writing life insurance and any additional class of insurance set out in Article 2 (§ 38.2-101 et seq.) of this chapter continuously during a period of twenty years immediately preceding July 1, 1952, may continue to be licensed to write those classes of insurance. No company shall write any class of insurance unless it has a current annual license from the Commission to do so.Code 1950, §§ 38-159, 38-504; 1952, c. 317, § 38.1-25; 1978, c. 20; 1986, c. 562; 1994, c. 316; 1995, c. 789.