PLGeorgiaeasy

What Georgia statute establishes the Standard Fire Insurance Policy provisions that form the baseline for homeowners contracts written in the state?

Q: What Georgia statute establishes the Standard Fire Insurance Policy provisions that form the baseline for homeowners contracts written in the state?

O.C.G.A. § 33-32-1 — O.C.G.A. § 33-32-1 requires every fire policy on Georgia property to conform to the standard fire policy (SFP) prescribed by the Commissioner, and a multiple-line policy such as a homeowners policy to contain fire-portion language at least as favorable to the insured. The other options govern unrelated topics: § 40-9-37 sets auto financial responsibility limits, § 33-7-11 governs uninsured motorist coverage, and § 33-23-1 defines producer licensing scope.

AO.C.G.A. § 40-9-37

BO.C.G.A. § 33-7-11

O.C.G.A. § 33-32-1

DO.C.G.A. § 33-23-1

Why this is the answer

O.C.G.A. § 33-32-1 requires every fire policy on Georgia property to conform to the standard fire policy (SFP) prescribed by the Commissioner, and a multiple-line policy such as a homeowners policy to contain fire-portion language at least as favorable to the insured. The other options govern unrelated topics: § 40-9-37 sets auto financial responsibility limits, § 33-7-11 governs uninsured motorist coverage, and § 33-23-1 defines producer licensing scope.

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