Chapter Ins 4
FIRE AND ALLIED LINES INSURANCE
Ins 4.01   Interpretation and implementation of s. 632.05 (2), Stats.
Ins 4.08   Inland marine insurance exempt from filing requirements.
Ins 4.10   Wisconsin insurance plan.
Ins 4.01Ins 4.01Interpretation and implementation of s. 632.05 (2), Stats.
Ins 4.01(1)(1)Scope. Section 632.05, Stats., and this section apply to policies issued or renewed on or after November 29, 1979, which insure real property owned and occupied by the insured as a dwelling.
Ins 4.01(2)(2)Interpretations.
Ins 4.01(2)(a)(a) Seasonal dwellings. A dwelling used seasonally shall be considered as owned and occupied by the insured if it is not rented to a non-owner for any period of time.
Ins 4.01(2)(b)(b) Outbuildings. Outbuildings insured under the same policy as an owner-occupied dwelling are not subject to s. 632.05 (2), Stats.
Ins 4.01(2)(c)(c) Mobile homes. Mobile homes as defined in s. 66.0435 (1) (d), Stats., shall not be considered real property and shall not be subject to the requirements of s. 632.05 (2), Stats.
Ins 4.01(2)(d)(d) Multifamily units. A policy insuring multiple unit residential property, with at least one unit occupied by the owner shall be subject to s. 632.05 (2), Stats., if there are no more than 4 dwelling units on the property.
Ins 4.01(2)(e)(e) Combined commercial and residential properties. A policy insuring real property any part of which is used for commercial (non-dwelling) purposes other than on an incidental basis is not subject to s. 632.05 (2), Stats.
Ins 4.01 NoteNote: In Seider v. Musser, 2000 WI 76, 236 Wis. 2d 211, 612 N.W.2d 659, the supreme court ruled that sub. (2) (e) is invalid.
Ins 4.01(2)(g)(g) Property under construction. Section 632.05 (2), Stats., shall not apply to a policy which insures real property under construction unless the property is completed and is occupied by the owner as a dwelling.
Ins 4.01(2)(h)(h) Operation of building laws. Real property owned and occupied by the insured which is partially destroyed but ordered destroyed under a fire ordinance or similar law shall be considered wholly destroyed for purposes of s. 632.05 (2), Stats.
Ins 4.01 HistoryHistory: Cr. Register, April, 1981, No. 304, eff. 5-1-81; r. (2) (f), Register, March, 1983, No. 327, eff. 4-1-83; correction in (2) (c) made under s. 13.93 (2m) (b) 7., Stats., Register, April, 1992, No. 436; correction in (2) (c) made under s. 13.92 (4) (b) 7., Stats., Register February 2013 No. 686.
Ins 4.08Ins 4.08Inland marine insurance exempt from filing requirements.
Ins 4.08(1)(1)Purpose. In accordance with s. 625.04, Stats., the purpose of this section is to exempt from the filing requirements of s. 625.13, Stats., all classes of inland marine risks.
Ins 4.08(2)(2)Scope. This section shall apply to inland marine insurance transacted under the authorization of s. Ins 6.75 (2) (a).
Ins 4.08(3)(3)Exempt classes. Insurers and rate service organizations are exempt from s. 625.13, Stats., in respect to the filing of rates and supplementary rate information for all classes of inland marine insurance.
Ins 4.08 HistoryHistory: Cr. Register, December, 1969, No. 168, eff. 1-1-70; emerg. am. (2), eff. 6-22-76; am. (2), Register, September, 1976, No. 249, eff. 10-1-76; am. (2), Register, March, 1979, No. 279, eff. 4-1-79; r. (3) (a) 1. to 38., Register, August, 1981, No. 308, eff. 9-1-81; am. (1), (2), and (3) (a) (intro.), Register, June, 1986, No. 366, eff. 7-1-86.
Ins 4.10Ins 4.10Wisconsin insurance plan.
Ins 4.10(1)(1)Purpose. This section is intended to implement and interpret s. 619.01, Stats., for the purpose of establishing procedures and requirements for a mandatory risk sharing facility for basic property insurance coverage. This section is also intended to encourage improvement of and reasonable loss prevention measures for properties located in Wisconsin and to further orderly community development.
Ins 4.10(2)(2)Scope. This section shall apply to all insurers included in sub. (3) (d) except those organized under ch. 612, Stats., assessment mutual insurance companies and insurers who write reinsurance only.
Ins 4.10(3)(3)Definitions.