II. INSURANCE against Fire. There are several offices in Britain for this purpose, of which the Sun fire-office is the most considerable. Insurances are divided into common, hazardous, and doubly hazardous, according to the nature of the subject insured. When the sum insured is high, there is a higher premium per cent. demanded; and money, papers, jewels, pictures, and gun-powder, are not comprehended. If a subject be wrong described, in order that it may be insured at a lower premium, the policy is void. The benefit of a policy is transferred, by indorsement, to the representatives of the person in whose favour it was made; and it may be transferred to other houses when the insured changes his habitation. If insurance be made on the same subject in different offices, it must be specified, by indorsement, on the policy; and, in case of loss, the offices pay proportionally. The insurers pay all expences in attempting to extinguish fire, or to save goods, though not successful. If the value of a subject be insured in part, and damage be sustained, the insurers pay the whole, if it does not exceed the sum insured.