The 1943 New York Standard Fire Policy, still embedded by reference in many modern property forms, is commonly referenced as containing how many numbered lines forming the policy's core provisions?

Why this is the answer

The 1943 New York Standard Fire Policy organized fire-insurance contract language into a 165-line statutory body that became the model adopted by most state legislatures. Its core clauses — concealment/fraud, suit limitation, appraisal, mortgagee, cancellation, and assignment — survive almost verbatim inside modern HO, DP, and Commercial Property forms (1943 NY Standard Fire Policy — 165-line body).