Idaho Code 41-2401 requires that fire insurance policies issued on property in Idaho be written using which standard form as their baseline?
A. The Idaho Uniform Fire Contract of 2010
B. The New York standard fire policy as revised in 1943
C. The NAIC Model Fire Policy of 1995
D. The FAIR Plan Basic Form
Source: Idaho Code 41-2401
Under Idaho Code 41-2401, unless otherwise stated in the policy, fire insurance coverage attaches (becomes effective) at what time on the effective date, based on the standard time of the property's location?
A. 8:00 a.m.
B. 12:01 a.m.
C. Noon
D. Midnight, but only for commercial risks
Source: Idaho Code 41-2401
Under Idaho Code 41-2401, which of the following types of insurance is expressly exempted from the requirement to use the standard fire policy form?
A. Homeowners dwelling fire coverage
B. Inland marine insurance
C. Commercial building fire coverage
D. Standard DP-1 dwelling fire coverage
Source: Idaho Code 41-2401
Under Idaho Code 41-2401, an insurer may exclude coverage for loss caused by nuclear reaction, radiation, or radioactive contamination:
A. Under no circumstances - such exclusions are always void in Idaho
B. Unless the policy is specifically endorsed to provide such coverage
C. Only for commercial policies, never for personal lines
D. Only if the insured is a licensed nuclear facility operator
Source: Idaho Code 41-2401
Under the current version of Idaho Code 41-1842, a commercial property or liability insurer generally must provide how many days' written notice before cancelling a policy for reasons other than nonpayment of premium, once the policy has been in force more than 60 days?
A. 10 days
B. 30 days
C. 90 days
D. There is no notice requirement
Source: Idaho Code 41-1842
