Which historical document forms the statutory baseline for the Standard Fire Policy adopted (with minor variation) across nearly every U.S. jurisdiction and is referred to as the '165-line' policy?

Why this is the answer

The 1943 New York Standard Fire Policy — commonly called the '165-line policy' because the policy text is laid out across 165 numbered lines — is the foundational statutory Standard Fire Policy adopted (sometimes with minor variation) by nearly every U.S. jurisdiction. It establishes core fire-policy provisions: the insuring agreement for fire, lightning, and removal; the conditions; concealment and fraud; suspension of coverage during increase-in-hazard; appraisal; suit clause; and the cancellation procedure. Modern Dwelling and Homeowners forms are built on top of this baseline (Standard Fire Policy framework, 1943 NY 165-line policy).