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State statute · Washington

Chapter 48.27 RCW, Secs. 48.27.010 through 48.27.030: Overinsurance

Publisher
Washington State Legislature
Edition
Online RCW as last updated July 15, 2026
Last checked
2026-09-17
Status
WA statutes, public domain
Edition and licensing notes

Publisher. Washington State Legislature (app.leg.wa.gov)

Edition. Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026").

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

Read the official textPractice questions from this source

What this document is

Chapter 48.27 RCW - Overinsurance (Secs. 48.27.010 through 48.27.030) is a state statute published by Washington State Legislature (app.leg.wa.gov). It is one of the Washington documents that insurance license exam questions are written from, including washington property & casualty, washington 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.

  • RCW 48.27.010(3) (Over-insurance prohibited)
    “No person shall knowingly require, request, issue, place, procure, or accept any insurance contract which would result in over-insurance of the property or interest therein proposed to be insured, except as is provided in RCW 48.27.020.”
  • RCW 48.27.030(1) (Policy does not cover flood damage, Notice to policyholder)
    “Every insurer issuing a homeowner, condominium unit owner, residential tenant, and residential fire insurance policy that does not cover damage caused by flood must notify the policyholder that the policy does not cover damage caused by flood.”
  • RCW 48.27.020 (Replacement insurance)
    “By any contract of insurance of property or of any insurable interest therein, the insurer may in connection with a special provision or endorsement made a part of the policy insure the cost of repair or replacement of such property, if damaged or destroyed by a hazard insured against, and without...”
  • RCW 48.27.010(3) and (4) (Over-insurance prohibited)
    “(3) No person shall knowingly require, request, issue, place, procure, or accept any insurance contract which would result in over-insurance of the property or interest therein proposed to be insured, except as is provided in RCW 48.27.020. (4) No person shall compel an insured or applicant for...”
  • RCW 48.27.010(1) and (2) (Over-insurance prohibited)
    “(1) Over-insurance shall be deemed to exist if property or an insurable interest therein is insured by one or more insurance contracts against the same hazard in any amount in excess of the fair value of the property or of such interest, as determined as of the effective date of the insurance or of...”
  • RCW 48.27.030(3) (Policy does not cover flood damage, Notice to policyholder)
    “Nothing in this section invalidates a flood exclusion, or any other exclusion, in an insurance policy subject to this section.”

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Questions about this source

Chapter 48.27 RCW - Overinsurance (Secs. 48.27.010 through 48.27.030) is a state statute published by Washington State Legislature (app.leg.wa.gov). Edition: Online RCW as last updated July 15, 2026 (app.leg.wa.gov RCW landing page: "Last update: July 15, 2026")..

No. This page summarizes the document and links to the official version. Always rely on the text published by Washington State Legislature (app.leg.wa.gov) for the current law.

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

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