State statute · New Hampshire

New Hampshire RSA Title XXXVII, Chapter 407 - The Fire Insurance Contract and Suits Thereon (RSA 407:1 to 407:24)

Publisher: www.gencourt.state.nh.us
Edition: NH RSA, official gencourt.state.nh.us merged chapter view fetched 2026-09-29
Last checked: 2026-09-29
Status: NH statutes, public domain

Edition and licensing notes

Edition. NH RSA, official gencourt.state.nh.us merged chapter view fetched 2026-09-29; the RSA index page states "These RSAs are current through the 2025 regular legislative session, or December 2025." (re-read 2026-09-29)

Status. NH statutes, public domain (state government edict).

Read the official text Practice questions from this source

What this document is

New Hampshire RSA Title XXXVII, Chapter 407 - The Fire Insurance Contract and Suits Thereon (RSA 407:1 to 407:24) is a state statute published by www.gencourt.state.nh.us. It is one of the New Hampshire documents that insurance license exam questions are written from, including new hampshire property & casualty, new hampshire personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

N.H. RSA 407:22 (Standard Fire Policy, Conditions suspending or restricting insurance)
“Unless otherwise provided in writing added hereto this Company shall not be liable for loss occurring (a) while the hazard is increased by any means within the control or knowledge of the insured; or (b) while a described building, whether intended for occupancy by owner or tenant, is vacant or...”
N.H. RSA 407:11, I (Policy Value)
“I. If a building insured for a specified amount, whether under a separate policy or under a policy also covering other buildings, is totally destroyed by fire or lightning without criminal fault on the part of the insured or his assignee, the sum for which such building is insured shall be taken to...”
N.H. RSA 407:12-a (Payment of Incidental Costs)
“In the event that an insured sustains a loss covered under the policy with respect to payment of undisputed incidental costs, including but not limited to rent, the insurer shall make payment for such costs within 15 days after receipt of a valid proof of loss.”
N.H. RSA 407:6 (Temporary Insurance)
“Binders or other contracts for temporary insurance may be made, orally or in writing, and shall be deemed to include all the terms of such Standard Fire Policy and all such applicable endorsements as may be designated in such contract of temporary insurance; except that the cancellation clause of...”
N.H. RSA 407:14 (Neglect of Insurer)
“If the company neglects to adjust the loss within 15 days after receiving notice of it, or to begin to rebuild or repair the property destroyed or damaged within 20 days after the adjustment of the loss, the insured may proceed to rebuild or repair at the expense of the company, which shall be...”
N.H. RSA 407:22 (Standard Fire Policy, Concealment, fraud)
“Coverage under this policy shall be void for the insured who, whether before or after a loss, has intentionally concealed or misrepresented any material fact or circumstance; engaged in fraudulent conduct; or made false statements relating to this insurance.”
N.H. RSA 407:22 (Standard Fire Policy, Mortgagee interests and obligations)
“If loss hereunder is made payable, in whole or in part, to a designated mortgagee not named herein as the insured, such interest in this policy may be cancelled by giving to such mortgagee a 10 days' written notice of cancellation.”
N.H. RSA 407:9 (Descriptions Not Warranties)
“Descriptions of property and statements concerning its value and the title of the insured thereto in an application for insurance or in an insurance policy shall not be treated as warranties.”
N.H. RSA 407:15 (Notice to Insured)
“The insurer shall provide written notice to the insured of any denial of coverage. The notice shall inform the insured that any action based upon the denial shall be barred by law if not commenced within 12 months from the date of the written denial.”
N.H. RSA 407:10 (Agent's Knowledge)
“If a company shall issue a policy upon an application prepared by a third person assuming to act as its agent or otherwise, it shall be charged with his knowledge of facts relating to the property insured as if they were stated in the application.”

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Questions about this source

New Hampshire RSA Title XXXVII, Chapter 407 - The Fire Insurance Contract and Suits Thereon (RSA 407:1 to 407:24) is a state statute published by www.gencourt.state.nh.us. Edition: NH RSA, official gencourt.state.nh.us merged chapter view fetched 2026-09-29; the RSA index page states "These RSAs are current through the 2025 regular legislative session, or December 2025." (re-read 2026-09-29).

No. This page summarizes the document and links to the official version. Always rely on the text published by www.gencourt.state.nh.us for the current law.

Practice questions for New Hampshire Property & Casualty, New Hampshire Personal Lines cite this document.

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