ARTICLE 4. Warranties [440. - 449.]

Cal. Insurance Code - INS 4.
in effect

Cal. Insurance Code - INS § 441. Section 441.

A statement in a policy of a matter relating to the person or thing insured, or to the risk, as a fact, is an express warranty thereof.

Cal. Insurance Code - INS § 443. Section 443.

Every express warranty made at or before the execution of a policy shall be contained in the policy itself, or in another instrument signed by the insured and referred to in the policy, as making a part of it.

Cal. Insurance Code - INS § 445. Section 445.

A statement in a policy, which imports that there is an intention to do or not to do a thing which materially affects the risk, is a warranty that such act or omission will take place.

Cal. Insurance Code - INS § 446. Section 446.

When, before the time arrives for the performance of a warranty relating to the future, a loss insured against happens, or performance becomes unlawful at the place of the contract, or impossible, the omission to fulfill the warranty does not avoid the policy.

Cal. Insurance Code - INS § 447. Section 447.

The violation of a material warranty or other material provision of a policy, on the part of either party thereto, entitles the other to rescind.

Cal. Insurance Code - INS § 448. Section 448.

Unless the policy declares that a violation of specified provisions thereof shall avoid it, the breach of an immaterial provision does not avoid the policy.

Cal. Insurance Code - INS § 449. Section 449.

A breach of warranty without fraud merely exonerates an insurer from the time that it occurs, or where the warranty is broken in its inception, prevents the policy from attaching to the risk.
Source: CA Legislative Counsel Bulk DataURL: https://downloads.leginfo.legislature.ca.gov/pubinfo_2025.zipFetched: 6/27/2026

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