The statutory conditions within the Insurance Act of every province and jurisdiction [except Quebec] read

"unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the insured, unless the interest of the insured therein is stated in the contract";

where only congregations insure local property.

Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Nova Scotia
Ontario
Prince Edward Island
Quebec
Saskatchewan
Yukon
Northwest Territories
Nunavut

Alberta
http://www.canlii.org/en/ab/laws/stat/rsa-2000-c-i-3/latest/rsa-2000-c-i-3.html
Insurance Act, R.S.A. 2000, c. I-3

Statutory conditions

549(1) The conditions set out in this section are deemed to be part of every contract in force in Alberta and must be printed on every policy with the heading "Statutory Conditions", and no variation or omission of or addition to any statutory condition is binding on the insured.

(2) In this section, "policy" does not include an interim receipt or binder.

Statutory Conditions

MISREPRESENTATION 1 If any person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance which is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract shall be void as to any property in relation to which the misrepresentation or omission is material.

PROPERTY OF OTHERS 2 Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the insured, unless the interest of the insured therein is stated in the contract.

CHANGE OF INTEREST 3 The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or change of title by succession, by operation of law, or by death.

MATERIAL CHANGE 4 Any change material to the risk and within the control and knowledge of the insured shall avoid the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within 15 days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract shall no longer be in force and the insurer shall return the unearned portion, if any, of the premium paid.....

British Columbia
http://www.canlii.org/en/bc/laws/stat/rsbc-1996-c-226/latest/rsbc-1996-c-226.html
Insurance Act, R.S.B.C. 1996, c. 226

Effect of statutory conditions

126 (1) The conditions set out in this section are deemed to be part of every contract in force in British Columbia, and must be printed on every policy with the heading "Statutory Conditions", and no variation or omission of or addition to any statutory condition is binding on the insured.

(2) In this section "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

1. If any person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance which is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract is void as to any property in relation to which the misrepresentation or omission is material.

Property of others

2. Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the insured, unless the interest of the insured in it is stated in the contract.

Change of interest

3. The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act or change of title by succession, by operation of law, or by death.

Material change

4. Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected by the change, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if the insured desires the contract to continue in force, the insured must, within 15 days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract is no longer in force and the insurer must return the unearned portion, if any, of the premium paid.....

Manitoba
http://www.canlii.org/en/mb/laws/stat/ccsm-c-i40/latest/ccsm-c-i40.html
Insurance Act, C.C.S.M. c. I40

Effect of Statutory Conditions

142(1) The conditions set forth in this section shall be deemed to be part of every contract in force in Manitoba and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition shall be binding on the insured.

Meaning of "policy"

142(2) In this section "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

1 If any person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance which is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract shall be void as to any property in relation to which the misrepresentation or omission is material.

Property of others

2 Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the insured, unless the interest of the insured therein is stated in the contract.

Change of interest

3 The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act or change of title by succession, by operation of law, or by death.

Material change

4 Any change material to the risk and within the control and knowledge of the insured shall avoid the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within 15 days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract shall no longer be in force and the insurer shall return the unearned portion, if any, of the premium paid.....

New Brunswick
http://www.canlii.org/en/nb/laws/stat/rsnb-1973-c-i-12/latest/rsnb-1973-c-i-12.html
Insurance Act, R.S.N.B. 1973, c. I-12

127(1)The conditions set forth in this section shall be deemed to be part of every contract in force in the Province, and the insurer shall ensure that they are printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition shall be binding on the insured.

127(2)In this section "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

Property of Others

Change of Interest

3 The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act or change of title by succession, by operation of law, or by death.

Material Change

4 Any change material to the risk and within the control and knowledge of the insured shall avoid the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract shall no longer be in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Newfoundland and Labrador
http://www.canlii.org/en/nl/laws/stat/rsnl-1990-c-f-10/latest/rsnl-1990-c-f-10.html
Fire Insurance Act, R.S.N.L. 1990, c. F-10

Statutory conditions

8. (1) The conditions set out in the Schedule shall be considered to be part of every contract in force in the province and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to a statutory condition shall be binding on the insured.

(2) In this section, "policy" does not include interim receipts or binders.

Schedule

Statutory Conditions

1. Misrepresentation - Where a person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate a circumstance which is material to be made known to the insurer in order to enable it to judge the risk to be undertaken, the contract shall be void as to property in relation to which the misrepresentation or omission is material.

2. Property of Others - Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by a person other than the insured, unless the interest of the insured is stated in the contract.

3. Change of Interest - The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act ( Canada ) or change of title by succession, by operation of law or by death.

4. Material Change - A change material to the risk and within the control and knowledge of the insured shall void the contract as the part affected by it, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion of the premium paid and cancel the contract, or may notify the insured in writing that, if the insured desires the contract to continue in force, the insured shall, within 15 days of the receipt of the notice pay to the insurer an additional premium; and in default of the payment the contract shall no longer be in force and the insurer shall return the unearned portion of the premium paid.....

Nova Scotia
http://www.canlii.org/en/ns/laws/stat/rsns-1989-c-231/latest/rsns-1989-c-231.html
Insurance Act, R.S.N.S. 1989, c. 231

Statutory conditions

167 (1) In this Section, "policy" does not include interim receipts or binders.

(2) The conditions set forth in the Schedule to this Part shall be deemed to be part of every contract and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition shall be binding on the insured. R.S., c. 231, s. 167.

SCHEDULE TO PART VII

STATUTORY CONDITIONS

1 Misrepresentation - If any person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance which is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract shall be void as to any property in relation to which the misrepresentation or omission is material.

2 Property of others - Unless otherwise specifically stated in the contract, the insurer is not liable for loss or damage to property owned by any person other than the insured, unless the interest of the insured therein is stated in the contract.

3 Change of interest -The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act (Canada) or change of title by succession, by operation of law, or by death.

4 Material change - Any change material to the risk and within the control and knowledge of the insured shall avoid the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract shall no longer be in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Ontario
http://www.canlii.org/en/on/laws/stat/rso-1990-c-i8/latest/rso-1990-c-i8.html
Insurance Act, R.S.O. 1990, c. I.8

Statutory conditions

148. (1) The conditions set forth in this section shall be deemed to be part of every contract in force in Ontario and shall be printed in English or French in every policy with the heading "Statutory Conditions" or "Conditions légales", as may be appropriate, and no variation or omission of or addition to any statutory condition is binding on the insured.

Definition

(2) In this section,

"policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

1. If a person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance that is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract is void as to any property in relation to which the misrepresentation or omission is material.

Property of Others

Change of Interest

3. The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act (Canada) or change of title by succession, by operation of law, or by death.

Material Change

4. Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent, and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if the insured desires the contract to continue in force, the insured must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium, and in default of such payment the contract is no longer in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Prince Edward Island
http://www.canlii.org/en/pe/laws/stat/rspei-1988-c-i-4/latest/rspei-1988-c-i-4.html
Insurance Act, R.S.P.E.I. 1988, c. I-4

Statutory conditions: deemed included in all contracts

114. (1) The conditions set forth in this section shall be deemed to be part of every contract in force in Prince Edward Island and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition shall be binding on the insured.

Policy defined

(2) In this section, "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

1. If any person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance which is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract shall be void as to any property in relation to which the misrepresentation or omission is material.

Property of others

Change of interest

3. The insurer shall be liable for loss or damage occurring after an authorized assignment under the Bankruptcy Act (Canada) R.S.C. 1985, Chap. B-3 or change of title by succession, by operation of law, or by death.

Material change

4. Any change material to the risk and within the control and knowledge of the insured shall avoid the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent; and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium; and in default of such payment the contract shall no longer be in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Quebec

The statutory conditions do not apply to Quebec.....

Saskatchewan
http://www.canlii.org/en/sk/laws/stat/rss-1978-c-s-26/latest/rss-1978-c-s-26.html
Saskatchewan Insurance Act, R.S.S. 1978, c. S-26

Statutory conditions

128(1) The conditions set forth in this section shall be deemed to be part of every contract in force in Saskatchewan and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition shall be binding on the insured.

Meaning of "policy"

(2) In this section, "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

Property of others

Change of interest

3 The insurer shall be liable for loss or damage occurring after an authorized assignment pursuant to the Bankruptcy and Insolvency Act (Canada) or change of title by succession, by operation of law, or by death.

Material change

Yukon
http://www.canlii.org/yk/laws/sta/119/20060728/whole.html
Insurance Act, R.S.Y. 2002, c. 119

Statutory conditions

71(1) The conditions set forth in this section shall be deemed to be part of every contract in force in the Yukon and shall be printed on every policy with the heading "statutory conditions", and no variation or omission of or addition to any statutory condition binds the insured.

(2) In this section, "policy" does not include interim receipts or binders.

STATUTORY CONDITIONS

Misrepresentation

1 If a person applying for insurance falsely describes the property to the prejudice of the insurer, or misrepresents or fraudulently omits to communicate any circumstance that is material to be made known to the insurer in order to enable it to judge of the risk to be undertaken, the contract is void as to any property in relation to which the misrepresentation or omission is material.

Property of others

Change of interest

3 The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or change of title by succession, by operation of law or by death.

Material changes

4 Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent, and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within 15 days of the receipt of the notice, pay to the insurer an additional premium, and in default of such payment the contract is no longer in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Northwest Territories
http://www.canlii.org/nt/laws/sta/i-4/20090324/whole.html
INSURANCE ACT, R.S.N.W.T. 1988, c. I-4

Definition of "policy"

64. (1) In this section, "policy" does not include interim receipts or binders.

Statutory conditions

(2) The conditions set out in this section shall be deemed to be part of every contract in force in the Territories and shall be printed on every policy with the heading "Statutory Conditions" and no variation or omission of or addition to any statutory condition is binding on the insured.

STATUTORY CONDITIONS

Misrepresentation

Property of others

Change of interest

3. The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or change of title by succession, by operation of law, or by death.

Material changes

4. Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent, and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium, and in default of such payment the contract is no longer in force and the insurer shall return the unearned portion, if any, of the premium paid.....

Nunavut
http://www.canlii.org/nu/laws/sta/i-4/index.html
INSURANCE ACT, R.S.N.W.T. 1988, c. I-4

Definition of "policy"

64. (1) In this section, "policy" does not include interim receipts or binders.

Statutory conditions

STATUTORY CONDITIONS

Misrepresentation

Property of others

Change of interest

3. The insurer is liable for loss or damage occurring after an authorized assignment under the Bankruptcy and Insolvency Act (Canada) or change of title by succession, by operation of law, or by death.

Material changes

4. Any change material to the risk and within the control and knowledge of the insured avoids the contract as to the part affected thereby, unless the change is promptly notified in writing to the insurer or its local agent, and the insurer when so notified may return the unearned portion, if any, of the premium paid and cancel the contract, or may notify the insured in writing that, if he desires the contract to continue in force, he must, within fifteen days of the receipt of the notice, pay to the insurer an additional premium, and in default of such payment the contract is no longer in force and the insurer shall return the unearned portion, if any, of the premium paid.....