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

Wash. Rev. Code § 48.18.520 (2026)

Construction of policies

✓ current as of May 2026
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Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.
[1947 c 79 s .18.52; Rem. Supp. 1947 s 45.18.52.]
Notes of Decisions
Cited in 23 cases (2 in the last 5 years), 1969–2023 · leading case: Kut Suen Lui v. Essex Ins. Co., 375 P.3d 596 (Wash. 2016).
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Kut Suen Lui v. Essex Ins. Co., 375 P.3d 596 (Wash. 2016). · cites it 3× “” RCW 48.18.520. ¶11 In this case, the language of the Luis’ insurance policy, including the endorsement, is plain—it did not cover water damage.”
Nat'l Sur. Corp. v. Immunex Corp., 297 P.3d 688 (Wash. 2013). “RCW 48.18.520 provides in pertinent part that “[e]very insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy .”
Greer v. Nw. Nat'l Ins., 674 P.2d 1257 (Wash. Ct. App. 1984). · cites it 2× “" Thereafter, although there is a specific dollar amount setting forth the extent of Northwestern's liability and the amount of premium to be paid for bodily injury and property damage, no similar limitation or premium is specified for passenger liability.”
Barney v. Safeco Ins. Co. of Am., 869 P.2d 1093 (Wash. Ct. App. 1994). · cites it 2× “Having determined the applicable measure of damages, we turn to whether that measure will be exceeded if Barney is permitted to recover the $5,000 that he claims.”
Lovato v. Liberty Mut. Fire Ins., 742 P.2d 1242 (Wash. 1987). · cites it 2× “[3] 3 Accord, RCW 48.18.520; Holthe v. Iskowitz, 31 Wn.”
Sears v. Grange Ins. Ass'n, 762 P.2d 1141 (Wash. 1988). “See RCW 48.18.520; E-Z Loader Boat Trailers, Inc.”
Ross v. State Farm Mut. Auto. Ins., 132 Wash. 2d 507 (Wash. 1997). “RCW 48.18.520: "Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.”
Ross v. State Farm Mut. Auto. Ins. Co., 940 P.2d 252 (Wash. 1997). “[57] RCW 48.18.520: "Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to and made a part of the policy.”
Emter v. Columbia Health Servs., 819 P.2d 390 (Wash. Ct. App. 1991). · cites it 2× “RCW 48.18.520. 2 Further, "[i]n construing the language of an insurance policy, the policy should be given a fair, reasonable, and sensible construction as would be given to the contract by the average person purchasing insurance.”
Cont'l Ins. v. Paccar, Inc., 614 P.2d 675 (Wash. Ct. App. 1980). “Expressive of the same public policy, RCW 48.18.520 provides that every insurance contract be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, endorsement, or application attached to…”
Certain Underwriters at Lloyd's v. Travelers Prop. Cas. Co. of Am., 256 P.3d 368 (Wash. Ct. App. 2011). “” RCW 48.18.520. If there are two insurance policies, the court will preserve the integrity of each if they can be read together without conflict.”
Newmont USA Ltd. v. Am. Home Assurance Co., 795 F. Supp. 2d 1150 (E.D. Wash. 2011). “” RCW 48.18.520. If there are two insurance policies, the court will preserve the integrity of each if they can be read together without conflict.”
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