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Oregon Revised Statutes

Or. Rev. Stat. § 742.202 (2026)

Standard fire insurance policy

✓ current as of May 2026
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      742.202 Standard fire insurance policy. Except as provided in ORS 742.204, no fire insurer, its officers or agents, shall use any fire insurance policy or renew any fire insurance policy on property in this state unless it contains the provisions set forth in ORS 742.206 to 742.242, which shall form a portion of the contract between the insurer and the insured. [Formerly 743.606]

Notes of Decisions
Cited in 11 cases (1 in the last 5 years), 1993–2022 · leading case: Summit Real Est. Mgmt., LLC v. Mid-Century Ins. Co., 445 P.3d 905 (Or. Ct. App. 2019).
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Summit Real Est. Mgmt., LLC v. Mid-Century Ins. Co., 445 P.3d 905 (Or. Ct. App. 2019). · cites it 6× “That statute provides, in full: "(1) A fire insurer may add to the provisions required by ORS 742.202 other conditions, provisions and agreements not in conflict with law or contrary to public policy.”
Fleming v. United Servs. Auto. Ass'n, 996 P.2d 501 (Or. 2000). · cites it 11× “They also rely on ORS 742.202 and ORS 742.204, which, they contend, provide additional relevant context for construing the requirements in ORS 742.”
West Am. Ins. v. Hernandez, 669 F. Supp. 2d 1211 (D. Or. 2009). · cites it 6× “202 itself contains a reference to § 742.204, which allows departure from the command of § 742.”
Moore v. Mut. of Enumclaw Ins., 855 P.2d 626 (Or. 1993). · cites it 2× “ORS 742.202; 1 see also Molodyh v. Truck Insurance Exchange, 304 Or 290, 293 , 744 P2d 992 (1987) (so stating).”
Ass'n of Unit Owners of Nestani v. State Farm Fire & Cas. Co., 670 F. Supp. 2d 1156 (D. Or. 2009). · cites it 2× “240; see also Or.Rev.Stat. § 742.202. Plaintiff filed its Complaint on June 4, 2008.”
Rick Franklin Corp. v. State, 140 P.3d 1136 (Or. Ct. App. 2006). · cites it 2× “246 (1999) provided, in part: “(1) A fire insurer may add to the provisions required by ORS 742.202 other conditions, provisions and agreements not in conflict with law or contrary to public policy.”
Malbco Holdings, LLC v. Amco Ins., 629 F. Supp. 2d 1185 (D. Or. 2009). “240; see also ORS 742.202. Actions brought more than two years after the occurrence of the direct physical loss or damage are barred.”
Schmidt v. Underwriters at Lloyds of London, 82 P.3d 649 (Or. Ct. App. 2004). “See ORS 742.202. The exclusion at issue here is one of those prescribed terms, see ORS 742.”
Traders & Gen. Ins. v. Freeman, 81 F. Supp. 2d 1070 (D. Or. 2000). “That statute allows a fire insurer to add other conditions, provisions, and agreements to the provisions required by ORS 742.202, as long as they are not in conflict with the law or contrary to public policy.”
Fleming v. United Servs. Auto. Ass'n, 925 P.2d 140 (Or. Ct. App. 1996). “246 provides: “(1) A fire insurer may add, to the provisions required by ORS 742.202, other conditions, provisions, and agreements not in conflict with law or contrary to public policy.”
State Farm Fire & Cas. Co. v. Jensen (D. Or. 2022). “206 requires that all fire insurance policies contain the following provision: In consideration of the provisions and stipulations herein or added hereto .”
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