Missouri Revised Statutes Title XXIV. Business and Financial Institutions § 374.400. Definitions

(1)“Director”, the director of the department of commerce and insurance;

(2)“Dwelling-owners' insurance”, a policy of insurance on a one- or two-family owner-occupied premises  1 which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises  1 under said policy is determined with reference to the premises' actual cash value;

(3)“Homeowners' insurance”, a policy of insurance on a one- or two-family owner-occupied premises  1 which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises  1 under said policy is determined with reference to the premises' replacement value;

(4)“Insurer”, any insurance company, reciprocal or inter-insurance exchange, licensed and authorized by the director to write homeowners' insurance, dwelling-owners' insurance, renters' or tenants' insurance, or residential fire insurance upon property located within this state;

(5)“Renters' or tenants' insurance”, a policy of insurance on a single- or multiple-family premises  1 which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the contents of the premises  1 under said policy is determined with reference to the contents' actual cash value;

(6)“Residential fire insurance”, a policy of insurance which provides fire coverage or fire and allied lines coverage on a residential premises  1 within one policy form, where the insurer's liability for damage to the premises  1 under said policy is determined with reference to the premises' actual cash value.