Sec. 2842. (1) An insurer authorized to do business within this state may attach to an existing
policy or to one to be issued by the insurer an average or pro rata clause.
(2) The average or pro rata clause shall be made substantially in the following form:
“It is hereby agreed, in case of loss, this policy shall attach in or on each building,
division, or location in such proportion as the values in or on the buildings, division,
or location bear to the aggregate value of the property insured.”
(3) It shall not be necessary for all average or pro rata rider clauses to be in the
exact language used in subsection (2), but such clause shall not be attached to a
policy unless the form of the clause was filed with and received the approval of the
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