South Dakota Codified Laws 58-13-2. Subject of insurance defined
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A “subject of insurance” for the purposes of this chapter, as to insurance against fire and hazards other than windstorm, earthquake, or other catastrophe hazards, includes all properties insured by the same insurer which are customarily considered by underwriters to be subject to loss or damage from the same fire or the same occurrence of such other hazard insured against.
Source: SL 1966, ch 111, ch 4, § 11 (2).