Wash. Rev. Code » Title 48 · Chapter 48.18
Revised Code of Washington

Wash. Rev. Code § 48.18.120 (2026)

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✓ current as of May 2026
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(1) The commissioner shall, after hearing, from time to time promulgate such rules and regulations as may be necessary to define and effect reasonable uniformity in all basic contracts of fire insurance which are commonly known as the standard form fire policies and may be so referred to in this code, and the usual supplemental coverages, riders, or endorsements thereon or thereto, to the end that such definitions shall be applied in the construction of the various sections of this code wherein such terms are used and that there be a reasonable concurrency of contract where two or more insurers insure the same subject and risk. All such forms heretofore approved by the commissioner and for use as of immediately prior to the effective date of this code, may continue to be so used until the further order of the commissioner made pursuant to this subsection or pursuant to any other provision of this code.
(2) The commissioner may from time to time, after hearing, promulgate such rules and regulations as he or she deems necessary to establish reasonable minimum standard conditions and terminology for basic benefits to be provided by disability insurance contracts which are subject to chapters 48.20 and 48.21 RCW, for the purpose of expediting his or her approval of such contracts pursuant to this code. No such promulgation shall be inconsistent with standard provisions as required pursuant to RCW 48.18.130, nor contain requirements inconsistent with requirements relative to the same benefit provision as formulated or approved by the National Association of Insurance Commissioners.
[ 2009 c 549 s 7068; 1957 c 193 s 10; 1947 c 79 s .18.12; Rem. Supp. 1947 s 45.18.12.]
Notes of Decisions
Cited in 8 cases (1 in the last 5 years), 1985–2021 · leading case: Port of Seattle v. Lexington Ins. Co., 48 P.3d 334 (Wash. Ct. App. 2002).
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Port of Seattle v. Lexington Ins. Co., 48 P.3d 334 (Wash. Ct. App. 2002). · cites it 4× “Paragraph 55 of the complaint provided: Pursuant to RCW 48.18.120, every property insurance policy sold in the state of Washington must be accompanied by a standard form fire insurance policy commonly known as the "New York Standard Fire Insurance Policy" or the "165-line" fire…”
Port of Seattle v. Lexington Ins., 111 Wash. App. 901 (Wash. Ct. App. 2002). · cites it 4× “” Paragraph 55 of the complaint provided: Pursuant to RCW 48.18.120, every property insurance policy sold in the state of Washington must be accompanied by a standard form fire insurance policy commonly known as the “New York Standard Fire Insurance Policy” or the “165-line”…”
Schwindt v. Commonwealth Ins. Co., 997 P.2d 353 (Wash. 2000). · cites it 4× “200(1)(c); RCW 48.18.120(1); WAC 284-20-010(3)). Commonwealth further contends that the Simms holding is consistent with the general rule that a party cannot unilaterally and indefinitely extend a limitations period by delaying satisfaction of a precondition to filing suit.”
Orsi v. Aetna Ins., 703 P.2d 1053 (Wash. Ct. App. 1985). · cites it 3× “RCW 48.18.120; WAC 284-20-010. The building was also covered under an Aetna policy providing $200,000 coverage and containing this excess 3 clause: This policy shall apply only as excess insurance over any other valid and collectible insurance which would apply in the absence of…”
Schwindt v. Commonwealth Ins., 140 Wash. 2d 348 (Wash. 2000). · cites it 4× “200(l)(c); RCW 48.18.120(1); WAC 284-20-010(3)). Commonwealth further contends that the Simms holding is consistent with the general rule that a party cannot unilaterally and indefinitely extend a limitations period by delaying satisfaction of a precondition to filing suit.”
State v. Hovrud, 805 P.2d 250 (Wash. Ct. App. 1991). · cites it 2× “120 provides, in relevant part: "(1) The [insurance] commissioner shall, after hearing, from time to time promulgate such rules and regulations as may be necessary to define and effect reasonable uniformity in all basic contracts of fire insurance which are commonly known as the…”
Flaaen v. Principal Life Ins. Co., 226 F. Supp. 3d 1162 (W.D. Wash. 2016). · cites it 6× “17 at 9 (citing RCW § 48.18.120; RCW § 48.21.010(2)(b)). RCW § 48.”
Granite State Ins. Co., V. Pope Resources Lp (Wash. Ct. App. 2021). “159 Specifically, we consider whether the substance of the settlement agreement 155 See STEVEN PLITT, DANIEL MALDONADO, JOSHUA D.”
— Wash. Rev. Code § 48.18.120(1) — 4 cases
Port of Seattle v. Lexington Ins. Co., 48 P.3d 334 (Wash. Ct. App. 2002). “Paragraph 55 of the complaint provided: Pursuant to RCW 48.18.120, every property insurance policy sold in the state of Washington must be accompanied by a standard form fire insurance policy commonly known as the "New York Standard Fire Insurance Policy" or the "165-line" fire…”
Port of Seattle v. Lexington Ins., 111 Wash. App. 901 (Wash. Ct. App. 2002). “” Paragraph 55 of the complaint provided: Pursuant to RCW 48.18.120, every property insurance policy sold in the state of Washington must be accompanied by a standard form fire insurance policy commonly known as the “New York Standard Fire Insurance Policy” or the “165-line”…”
Schwindt v. Commonwealth Ins. Co., 997 P.2d 353 (Wash. 2000). “200(1)(c); RCW 48.18.120(1); WAC 284-20-010(3)). Commonwealth further contends that the Simms holding is consistent with the general rule that a party cannot unilaterally and indefinitely extend a limitations period by delaying satisfaction of a precondition to filing suit.”
Schwindt v. Commonwealth Ins., 140 Wash. 2d 348 (Wash. 2000). “200(l)(c); RCW 48.18.120(1); WAC 284-20-010(3)). Commonwealth further contends that the Simms holding is consistent with the general rule that a party cannot unilaterally and indefinitely extend a limitations period by delaying satisfaction of a precondition to filing suit.”
— Wash. Rev. Code § 48.18.120(b) — 1 case
Flaaen v. Principal Life Ins. Co., 226 F. Supp. 3d 1162 (W.D. Wash. 2016). “17 at 9 (citing RCW § 48.18.120; RCW § 48.21.010(2)(b)). RCW § 48.”
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