State statute · Ohio

Domestic and Foreign Insurance Companies Other Than Life, including fire insurance, cancellation and nonrenewal, the FAIR plan, mine subsidence and the fire-loss demolition fund

Ohio Revised Code Chapter 3929, complete chapter, all 77 sections 3929.01 through 3929.87

Publisher: Ohio Legislative Service Commission
Edition: Ohio Revised Code as published by the Ohio Legislative Service Commission
Last checked: 2026-09-17
Status: US state law

Edition and licensing notes

Publisher. Ohio Legislative Service Commission (codes.ohio.gov)

Edition. Ohio Revised Code as published by the Ohio Legislative Service Commission; the site's own currency statement reads: "The Legislative Service Commission staff updates the Revised Code on an ongoing basis, as it completes its act review of enacted legislation. Updates may be slower during some times of the year, depending on the volume of enacted legislation."

Status. US state law; public domain.

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What this document is

Ohio Revised Code Chapter 3929 - Domestic and Foreign Insurance Companies Other Than Life, including fire insurance, cancellation and nonrenewal, the FAIR plan, mine subsidence and the fire-loss demolition fund (complete chapter, all 77 sections 3929.01 through 3929.87) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). It is one of the Ohio documents that insurance license exam questions are written from, including ohio property & casualty, ohio 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.

Ohio Rev. Code § 3929.25 (Extent of liability under policy)
“In the absence of any change increasing the risk without the consent of the insurers, and in the absence of intentional fraud on the part of the insured, in the case of total loss the whole amount mentioned in the policy or renewal, upon which the insurer received a premium, shall be paid. However,...”
Ohio Rev. Code § 3929.26 (More than one policy on same property)
“When there are two or more insurance policies upon the same property, each policy shall contribute to the payment of the whole or of the partial loss in proportion to the amount of insurance mentioned in each policy. In no case shall the insurer be required to pay more than the amount mentioned in its policy.”
Ohio Rev. Code § 3929.56(A)(2)(a) (Mine subsidence coverage for homeowners in designated counties)
“(2)(a) Every insurer that offers basic property and homeowners insurance insuring on a direct basis a structure located in the counties of Delaware, Erie, Geauga, Lake, Licking, Medina, Ottawa, Portage, Preble, Summit, and Wayne shall offer to include, on an optional basis, mine subsidence coverage...”
Ohio Rev. Code § 3929.42(B) (Urban homeowners insurance definitions)
“(B) "Homeowners insurance" means insurance on owner-occupied dwellings providing personal multi-peril property and liability coverages commonly known as homeowners insurance, and is subject to such reasonable underwriting standards, exclusions, deductibles, rates, and conditions as are customarily...”
Ohio Rev. Code § 3929.25 (Extent of liability under policy, cellar and foundation walls)
“The cellar and foundation walls shall not be considered a part of such building or structure in settling losses, despite any contrary provisions in the application or policy.”
Ohio Rev. Code § 3929.27 (Solicitor agent of company)
“A person who solicits insurance and procures the application therefor shall be considered as the agent of the party, company, or association thereafter issuing a policy upon such application or a renewal thereof, despite any contrary provisions in the application or policy.”
Ohio Rev. Code § 3929.44(D) (Application by person unable to obtain basic property or homeowners insurance)
“As part of an application for a policy of basic property insurance or homeowners insurance, an applicant shall, in accordance with procedures and requirements set forth in rules promulgated by the superintendent, certify at least two insurance companies had been contacted and from whom coverage was not available.”
Ohio Rev. Code § 3929.19 (Cancellation of policies)
“A fire insurance company doing business under the laws of this state, which issues policies of insurance covering property located in this state, and on such policies receives from the persons insured either cash payments of premium, or notes subject to assessment for payment of losses, or notes...”
Ohio Rev. Code § 3929.50(C) (Mine subsidence insurance definitions; basic property insurance)
“(C) "Basic property insurance" means insurance against direct loss to property as defined and limited in dwelling fire, homeowners, and farm policies and extended coverage endorsements thereon, as approved by the superintendent of insurance, and insurance for such types, classes, and locations of...”
Ohio Rev. Code § 3929.56(A)(1) (Mine subsidence coverage for homeowners in designated counties)
“(A)(1) Every insurer that offers basic property and homeowners insurance insuring on a direct basis a structure located in the counties of Athens, Belmont, Carroll, Columbiana, Coshocton, Gallia, Guernsey, Harrison, Hocking, Holmes, Jackson, Jefferson, Lawrence, Mahoning, Meigs, Monroe, Morgan,...”
Ohio Rev. Code § 3929.50(G) (Mine subsidence insurance definitions; dwelling fire insurance)
“(G) "Dwelling fire insurance" means a policy providing property coverage on residential buildings for the perils of fire and lightning and additional coverages.”
Ohio Rev. Code § 3929.21 (Rates of cancellation for policies on the mutual plan)
“When a policy issued on the mutual plan is canceled in accordance with section 3929.19 of the Revised Code, the company issuing such policy must surrender to the insured the note received from him for premium or payment of losses. Such policy shall first be sent to the secretary or agent of the...”

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Questions about this source

Ohio Revised Code Chapter 3929 - Domestic and Foreign Insurance Companies Other Than Life, including fire insurance, cancellation and nonrenewal, the FAIR plan, mine subsidence and the fire-loss demolition fund (complete chapter, all 77 sections 3929.01 through 3929.87) is a state statute published by Ohio Legislative Service Commission (codes.ohio.gov). Edition: Ohio Revised Code as published by the Ohio Legislative Service Commission; the site's own currency statement reads: "The Legislative Service Commission staff updates the Revised Code on an ongoing basis, as it completes its act review of enacted legislation. Updates may be slower during some times of the year, depending on the volume of enacted legislation.".

No. This page summarizes the document and links to the official version. Always rely on the text published by Ohio Legislative Service Commission (codes.ohio.gov) for the current law.

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

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