persons must exclude, 147;
keeping of horses, 147;
liability for baggage, 147, 148, 149;
exempt from loss by fire, 148;
may make certain regulations, 148, 149;
keeper of boarding house not, 149

Insane person and Statute of Limitation, 244

Insanity, of principal, 13;
of agent, 13;
how affects bid at auction, 18;
of master of vessel, 240;
and wills, 264

Inspector, 83, 101

Insurance Broker, 45, 46

Insurance, fire, when liable for acts of agent, 6;
kinds of companies, 124, 125;
mutual company preferred, 124;
mutual plan protects against loss only, 125;
stock company pays dividends, 125;
insured must have interest in property, 125;
who has insurable interest, 126;
policy, as collateral security, 126;
policy void, 126;
policy a contract, 126;
standard policy, 126;
when is policy binding, 126, 127;
premium, 127;
policy may be assigned, 127;
when policy can be cancelled, 127, 130;
contract reformed, 128;
written and printed parts of policy, 128;
written application part of contract, 128;
interpretation of meaning, 128;
language of policy, 128, 129;
clerical errors, 129;
what policy covers, 129, 130;
when risk begins, 129;
misrepresentation, 129, 130;
concealment of facts, 130;
questions and answers a warranty, 130;
policy void, 130;
loss, total or partial, 130;
damage by water, 130;
from explosion, 131;
from theft, 131;
from lightning, 131;
from negligence, 131;
total loss, 131;
partial loss, 132;
open and valued policies, 132;
see _Agency_

Insurance, life, 167;
definition, 167;
validity of the contract, 167;
assignment of policy, 168, 172;
authority of general agent to vary the agreement, 168;
no contract until policy accepted by company, 169;
state requirements, 169;
delivery of policy, 169;
authority of general and special agents, 170;
payment of first premium, 170;
void under conditions contrary to public welfare, 170;
proceeds on which policy may be set aside, 171;
determination of beneficiary, 171;
date of commencement of risk, 172;
payment of premiums, 172;
reinsurance contracts, 173;
cancellation or surrender, 173, 174;
rescinding of a policy, 174;
surrender or cancellation value, 175;
conversion of policy, 175

Insurance money, provision for, in lease, 159

Insurance policy, of bankrupt, 37;
form for assignment of, 302

Insurer, garage keep