reglab/housing_qa huggingface dataset:
CA Ins Code § 353 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 353.

353.  A representation as to the future is a promise, unless it is merely a statement of a belief or an expectation.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 354 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 354.

354.  A representation cannot qualify an express provision in a contract of insurance; but it may qualify an implied warranty.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 355 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 355.

355.  A representation may be altered or withdrawn before the insurance is effected, but not afterwards.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 356 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 356.

356.  The completion of the contract of insurance is the time to which a representation must be presumed to refer.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 357 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 357.

357.  When an insured has no personal knowledge of a fact, he may nevertheless repeat information which he has upon the subject, and which he believes to be true, with the explanation that he does so on the information of others; or he may submit the information, in its whole extent, to the insurer. In neither case is he responsible for its truth, unless it proceeds from an agent of the insured, whose duty it is to give the information.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 358 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 358.

358.  A representation is false when the facts fail to correspond with its assertions or stipulations.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 359 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 359.

359.  If a representation is false in a material point, whether affirmative or promissory, the injured party is entitled to rescind the contract from the time the representation becomes false.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 360 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 360.

360.  The materiality of a representation is determined by the same rule as the materiality of a concealment.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 361 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 3 - Negotiations Before Execution|ARTICLE 2 - Representation|Section 361.

361.  The provisions of this chapter apply as well to a modification of a contract of insurance as to its original formation.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 380 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 380.

380.  The written instrument, in which a contract of insurance is set forth, is the policy.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 381 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 381.

381.  A policy shall specify:(a) The parties between whom the contract is made.(b) The property or life insured.(c) The interest of the insured in property insured, if he is not the absolute owner thereof.(d) The risks insured against.(e) The period during which the insurance is to continue.(f) Either:(1) A statement of the premium, or(2) If the insurance is of a character where the exact premium is only determinable upon the termination of the contract, a statement of the basis and rates upon which the final premium is to be determined and paid.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 381.1 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 381.1.

381.1.  (a) The information described in subdivision (b) shall be provided to the policyholder at the time of application for, or issuance of, a policy of automobile insurance, as defined in Section 660, and in each renewal notice sent prior to the renewal of the policy. However, information described in paragraphs (1) and (2) of subdivision (b) may be provided to the policyholder separately upon request. The information shall not be presented as an abbreviation or code unless a key to the abbreviations or codes used is also included.(b) For each rated driver or vehicle, as applicable, the number of incidents or other relevant data that apply to each of the following categories:(1) Traffic convictions.(2) At-fault accidents (property damage or bodily injury).(3) Estimated annual mileage driven.(4) Years of driving experience.(5) Vehicle use (e.g., pleasure, commute, business).(6) ZIP Code of the location where the vehicle is garaged, if different from the mailing address of the policyholder.(7) Driver-related discounts applied.(8) Vehicle-related discounts or surcharges applied.(c) The disclosure of information required by this section may contain additional provisions that are not in conflict with, or derogation of, these provisions.(d) Each insurer shall comply with this section no later than March 1, 2004.(Added by Stats. 2003, Ch. 360, Sec. 1. Effective January 1, 2004.)
CA Ins Code § 381.2 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 381.2.

381.2.  When a policy includes coverage for loss or damage to a specific item of personal property of the insured, which item is separately listed and described and on which item a separate amount of insurance is placed, the insurer shall compute any total loss of such item of personal property as being the amount of insurance placed on it. In the adjustment of a partial loss or damage to such item of covered property, the separately listed amount of insurance applying to the specific item shall be used as the value of the item prior to its partial loss or damage. If a different method is to be used in the computation of loss, the policy, and any application therefor, shall set forth, in type of prominent size, the actual method of such loss computation used by the insurer.The provisions of this subdivision shall not apply to any property used for a business purpose or to any motor vehicle.If there are two or more policies insuring the same property against the loss, the loss shall be prorated among the policies.(Amended by Stats. 1974, Ch. 653.)
CA Ins Code § 381.5 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 381.5.

381.5.  (a) Every policy issued, amended, delivered, or renewed in this state shall provide coverage for the registered domestic partner of an insured or policyholder that is equal to, and subject to the same terms and conditions as, the coverage provided to a spouse of an insured or policyholder. A policy may not offer or provide coverage for a registered domestic partner if it is not equal to the coverage provided for the spouse of an insured or policyholder. This subdivision applies to all forms of insurance regulated by this code.(b) A policy subject to this section that is issued, amended, delivered, or renewed in this state on or after January 1, 2005, shall be deemed to provide coverage for registered domestic partners that is equal to the coverage provided to a spouse of an insured or policyholder.(c) It is the intent of the Legislature that, for purposes of this section, “terms,” “conditions,” and “coverage” do not include instances of differential treatment of domestic partners and spouses under federal law.(Added by Stats. 2004, Ch. 488, Sec. 3. Effective January 1, 2005.)
CA Ins Code § 382 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 382.

382.  Covering notes may be issued to bind insurance temporarily pending the issuance of the policy. Within 90 days after issue of a covering note a policy shall be issued in lieu thereof, including within its terms the identical insurance bound under the covering note and premium therefor.Covering notes may be extended or renewed beyond such 90 days with the written approval of the commissioner if the commissioner determines that such extension is not contrary to and is not for the purpose of violating any provision of this code. The commissioner may promulgate rules and regulations governing such extensions for the purpose of preventing such violations and may by such rules and regulations dispense with the requirement of written approval by him in the case of extensions in compliance with such rules and regulations.(Amended by Stats. 1943, Ch. 872.)
CA Ins Code § 383 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 383.

383.  It is a misdemeanor:(a) For any insurer, or any agent of any insurer, to issue a policy in violation of the requirements of subdivision (f) of section 381.(b) For any insurance agent or broker to assist in arranging for the insurance where the policy violates such requirements.(c) For any insurer to violate the provisions of section 382.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 383.6 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 383.6.

383.6.  The phrase “motor vehicle” or “motor vehicles” as used in Section 383.5 includes, but is not limited to:(a) Trailers, house trailers, mobilehomes, campers and all other wheeled vehicles or nonwheeled structures so made as to be capable of being moved as a compatible portion thereof, or trailed behind, any motor vehicle as that term is defined in the Vehicle Code, whether in immobile position or not.(b) Motorcycles, motorbikes and motor scooters, except powered bicycles not manufactured for inclusion of a motor.All present or future rules or regulations promulgated by the commissioner pursuant to Section 383.5 shall be applicable to motor vehicles as defined in this section.(Added by Stats. 1967, Ch. 452.)
CA Ins Code § 384 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 384.

384.  (a) A certificate of insurance or verification of insurance provided as evidence of insurance in lieu of an actual copy of the insurance policy shall contain the following statements or words to the effect of:This certificate or verification of insurance is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein. Notwithstanding any requirement, term, or condition of any contract or other document with respect to which this certificate or verification of insurance may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of the policies.(b) This section is not applicable to a surplus line broker certificate as defined in Section 48.(Amended by Stats. 2000, Ch. 135, Sec. 107. Effective January 1, 2001.)
CA Ins Code § 386 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 386.

386.  All policies issued by incorporated insurers shall be subscribed by the president or vice president, or chairman, or chief executive officer, or, in case of the death, absence, or disability of those officers, by any two of the directors, and countersigned by the secretary of the corporation. All such policies are as binding and obligatory upon the corporation as if executed over the corporate seal.(Amended by Stats. 1990, Ch. 539, Sec. 1.)
CA Ins Code § 387 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 387.

387.  When the name of the person intended to be insured is specified in a policy, it can be applied only to his own interest.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 388 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 388.

388.  When an insurance contract is executed with an agent or trustee as the insured, the fact that his principal or beneficiary is the real party in interest may be indicated by describing the insured as agent or trustee, or by other general words in the policy.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 389 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 389.

389.  To render an insurance effected by one partner or part-owner applicable to the interest of his copartners, or of other part-owners, it is necessary that the terms of the policy should be such as are applicable to the joint or common interest.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 390 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 390.

390.  When the description of the insured in a policy is so general that it may comprehend any person or any class of persons, only he who can show that it was intended to include him can claim the benefit of the policy.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 391 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 391.

391.  A policy may be so framed that it will inure to the benefit of whomsoever, during the continuance of the risk, becomes the owner of the interest insured.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 392 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 392.

392.  Any exception from the risk generally covered by a policy of insurance which insures property for the period of time when such property is under the dominion and control of a party other than the insured for the purpose of storage or for the purpose of transferring such property to another location shall be printed in at least eight-point blackface type.(Added by Stats. 1968, Ch. 135.)
CA Ins Code § 394 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 394.

394.  (a) The commissioner may approve insurance policies and associated materials in languages other than English if the following conditions are met:(1) The policyholder is given a copy of the same material in English.(2) The English version is the official version.(3) A policyholder document in a language other than English shall contain a disclosure statement in both that language and in English that states that the English version is the official version and the foreign language version is for informational purposes only.(b) An insurer that knowingly misrepresents information provided in a language other than English shall be subject to Article 6.5 (commencing with Section 790) of Chapter 1 of Part 2.(Added by Stats. 2002, Ch. 358, Sec. 1. Effective January 1, 2003.)
CA Ins Code § 395 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 1 - Definition and Scope|Section 395.

395.  After a covered loss, an insurer shall provide, free of charge, a complete copy of the insured’s current insurance policy or certificate within 30 calendar days of receipt of a request from the insured. The period for providing the insurance policy or certificate may be extended by the commissioner. An insured who does not experience a covered loss shall, upon request, be entitled to one free copy of his or her current insurance policy or certificate annually. The insurance policy or certificate provided to the insured shall include, where applicable, the policy declarations page. This section shall not apply to commercial policies issued pursuant to Sections 675.5 and 676.6, and policies of workers’ compensation insurance, as defined in Section 109.(Amended by Stats. 2014, Ch. 71, Sec. 96. (SB 1304) Effective January 1, 2015.)
CA Ins Code § 410 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 2 - Types of Policies|Section 410.

410.  A policy is either open or valued.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 411 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 2 - Types of Policies|Section 411.

411.  An open policy is one in which the value of the subject matter is not agreed upon, but is left to be ascertained in case of loss.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 412 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 2 - Types of Policies|Section 412.

412.  A valued policy is one which expresses on its face an agreement that the thing insured shall be valued at a specified sum.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 413 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 2 - Types of Policies|Section 413.

413.  A running policy is one which contemplates successive insurances, and which provides that the object of the policy may be from time to time defined, especially as to the subjects of insurance, by additional statements or indorsements.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 430 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 3 - Insurer s Name on Policy|Section 430.

430.  The policies issued by every insurer shall be entitled by its own name or a name approved by the commissioner under Section 881 or 882, printed on each policy in large bold type in at least as large as any other size type used in the policy or on the face page.(Amended by Stats. 1979, Ch. 737.)
CA Ins Code § 440 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 440.

440.  A warranty is either express or implied.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 441 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 441.

441.  A statement in a policy of a matter relating to the person or thing insured, or to the risk, as a fact, is an express warranty thereof.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 442 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 442.

442.  A particular form of words is not necessary to create a warranty.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 443 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 443.

443.  Every express warranty made at or before the execution of a policy shall be contained in the policy itself, or in another instrument signed by the insured and referred to in the policy, as making a part of it.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 444 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 444.

444.  A warranty may relate to the past, the present, the future, or to any or all of these.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 445 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 445.

445.  A statement in a policy, which imports that there is an intention to do or not to do a thing which materially affects the risk, is a warranty that such act or omission will take place.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 446 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 446.

446.  When, before the time arrives for the performance of a warranty relating to the future, a loss insured against happens, or performance becomes unlawful at the place of the contract, or impossible, the omission to fulfill the warranty does not avoid the policy.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 447 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 447.

447.  The violation of a material warranty or other material provision of a policy, on the part of either party thereto, entitles the other to rescind.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 448 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 448.

448.  Unless the policy declares that a violation of specified provisions thereof shall avoid it, the breach of an immaterial provision does not avoid the policy.(Enacted by Stats. 1935, Ch. 145.)
CA Ins Code § 449 (2021)
2021 California Code|Insurance Code - INS|DIVISION 1 - GENERAL RULES GOVERNING INSURANCE|PART 1 - THE CONTRACT|CHAPTER 4 - The Policy|ARTICLE 4 - Warranties|Section 449.

449.  A breach of warranty without fraud merely exonerates an insurer from the time that it occurs, or where the warranty is broken in its inception, prevents the policy from attaching to the risk.(Enacted by Stats. 1935, Ch. 145.)