The entire written contract between the insured and the insurer. It includes the following:

  • The printed policy form;
  • The Application and declarations page;
  • Any endorsement(s) that may be issued; and
  • Any renewal certificate indicating that coverage has been instituted for a new policy and new policy term.

Only 1 dwelling, specifically described by the prospective policyholder in the Application, may be insured under a policy.