R.I. Gen. Laws
Rhode Island General Laws

R.I. Gen. Laws § 27-5-2 (2026)

Compliance with standard policy required

✓ text as last checked Sept. 2026 (this copy records no edition or section history)
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Except as provided in § 27-5-9.1 and § 27-65-1(e), no policy or contract of fire insurance shall be made, issued, or delivered by any insurer or by any insurance producer or representative of an insurance producer on any property in this state, unless it shall conform, as to all provisions, stipulations, agreements, and conditions, with the standard form of policy.

Notes of Decisions
Cited in 6 cases, 1960–1980 · leading case: Siravo v. Great Am. Ins., 410 A.2d 116 (R.I. 1980).
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Siravo v. Great Am. Ins., 410 A.2d 116 (R.I. 1980). · cites it 4× “” In their next argument, defendants note that the provisions of a fire insurance policy, unlike the provisions of the automobile policy at issue in Pickering , are prescribed by statute, G.”
A.A.A. Pool Serv. & Supply, Inc. v. Aetna Cas. & Sur. Co., 395 A.2d 724 (R.I. 1978). “1956 (1968 Reenactment) §27-5-3 and are required by §27-5-2 to be included in all fire policies issued on property located in this state.”
Greater Providence Trust Co. v. Nationwide Mut. Fire Ins. Co., 355 A.2d 718 (R.I. 1976). “The trial justice, in finding for the defendant, relied upon the 1-year contractual limitation and further ruled that Nationwide was not estopped from asserting this defense.”
Cardente v. Travelers Ins. Co., 315 A.2d 63 (R.I. 1974). “1956 (1968 Reenactment) §'§27-5-2 and 27-5-3 2 plaintiffs’ cause of action is barred in that the same was not commenced within 12 months after the inception of the alleged loss.”
Osborne v. Pac. Ins. Co. of New York, 165 A.2d 725 (R.I. 1960). “General laws 1956, § §27-5-2 and 27-5-3. When our legislature provided by statute for a standard form of fire insurance policy, required the use of the prescribed form in contracts for fire insurance, and authorized the parties to such contracts to include therein in writing…”
Canton Realty Co. v. Home Ins., 373 A.2d 1196 (R.I. 1977). “1956 (1968 Reenactment) §§27-5-2 and 27-5-3. The jury returned a verdict in favor of all the insurers.”
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