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PROPERTY INSURANCE

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COMPRISING FIRE AND MARINE INSURANCE, AUTO-
MOBILE INSURANCE, FIDELITY AND SURETY BOND-
ING, TITLE INSURANCE, CREDIT INSURANCE, AND
MISCELLANEOUS FORMS OF PROPERTY INSURANCE.
NEW EDITION

(Completely revised and greatly enlarged)

BY

S. S. HUEBNER, Ph.D.

PROFESSOR OF INSURANCE AND COMMERCE, WHARTON SCHOOL
OF FINANCE AND COMMERCE, UNIVERSITY OF PENNSYL-
VANIA; AUTHOR OF "LIFE INSURANCE," "MARINE
INSURANCE," "THE STOCK MARKET."

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COPYRIGHT, 1911, 1922, BY
D. APPLETON AND COMPANY

STATZ OHO
YIRAVIMU

PRINTED IN THE UNITED STATES OF AMERICA

PREFACE

Like its predecessor, published in 1911, this volume aims to present, in a comprehensive and non-technical manner, the important economic and legal principles and the leading practices upon which the various kinds of property insurance are based. With respect to each of these kinds of insurance, special emphasis is also placed upon the nature of the coverage, types of underwriters, types of contracts and their special application, an analysis of the policy contract, special endorsements, and the factors underlying the determination of rates. The book has been prepared chiefly as a text for students of insurance in universities and colleges, who either intend to enter that vocation or who desire to understand its nature as a business and its usefulness to owners and managers of property. It is so prepared, however, as to be equally valuable to the many who are now engaged, or contemplate engaging, in the insurance business as agents, brokers, or otherwise.

The first edition of "Property Insurance" was widely adopted as a text in our higher institutions of learning and has maintained a prominent place in that respect for an entire decade. The present volume embodies in large part the author's conclusions and method of treatment in the class-room arrived at during eighteen years of teaching this subject. It represents a complete revision and a very substantial enlargement of its predecessor. The body of the text has been increased by nearly two hundred pages, and has been brought strictly to date. New chapters have been added on "Use and Occupancy, Rent and Profits

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