Insurable curiosity should exist whether or not property insurance coverage or insurance coverage on an individual is involved. The idea requires that the insured have a “stake” in the loss or damage to the life or property insured. What that “stake” is might be determined by the sort of insurance involved and the nature of the property ownership or relationship between the persons. The requirement of an insurable curiosity is what distinguishes insurance from playing. The first life insurance policies were taken out in the early 18th century.
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