Fire Insurance Policies

This is the 2026 edition of the code. This is the current edition. It was last updated Aug 02, 2026. Browse all editions.

This is Chapter 21 of the Code of Virginia, titled “Fire Insurance Policies.” It is part of Title 38.2 “Insurance”. It contains 34 laws.

It’s comprised of the following 34 sections.

§ 38.2-2100	Application of chapter
§ 38.2-2101	Policies shall conform to provisions of this chapter
§ 38.2-2102	Excluding loss or damage caused by nuclear reaction, nuclear radiation, or radioactive contamination
§ 38.2-2103	Information to be printed on policy
§ 38.2-2104	Standard insuring agreement for fire insurance policies
§ 38.2-2105	Standard provisions, conditions, stipulations and agreements for such policies
§ 38.2-2106	Standard form for execution of policies
§ 38.2-2107	Commission may establish guidelines for filing readable fire insurance policy forms
§ 38.2-2108	Standards for content of fire insurance policies
§ 38.2-2108.1	Commercial fire insurance policies; changes to amount of coverage
§ 38.2-2109	Execution of policies
§ 38.2-2110	Other matter permitted in the policy
§ 38.2-2111	Special regulations to be added to policy
§ 38.2-2112	Temporary insurance contracts; duration; what deemed to include
§ 38.2-2113	Mailing or electronic delivery of notice of cancellation or refusal to renew
§ 38.2-2114	Grounds and procedure for termination of policy; contents of notice; review by Commissioner; exceptions; immunity from liability
§ 38.2-2114.1	Powers of Commission; replacement policies
§ 38.2-2115	Discrimination in issuance of fire insurance
§ 38.2-2116	Policies issued by two or more insurers
§ 38.2-2117	Approval of forms or provisions for additional coverage
§ 38.2-2118	Required statement on insurance policies for owner-occupied dwellings
§ 38.2-2119	Approval of forms or provisions for certain risks
§ 38.2-2120	Optional coverage to be offered with homeowner's policy
§ 38.2-2121	When courts may appoint umpires
§ 38.2-2122	Appraisers and umpires; oath to be taken
§ 38.2-2123	Chapter not applicable to certain mutual insurers
§ 38.2-2124	Optional coverage to be offered with fire insurance policy
§ 38.2-2125	Notice regarding flood exclusion
§ 38.2-2126	Insurance credit score disclosure; use of credit information
§ 38.2-2127	Notice of change in deductible
§ 38.2-2128	Certain exclusions permitted
§ 38.2-2129	Notice regarding earthquake exclusion
§ 38.2-2130	Coverage for volunteer fire department costs
§ 38.2-2131	Assignment of claims prohibited