Mo. Rev. Stat. § 374.400: Definitions.

Unless otherwise clearly indicated by the context, the following words and terms as used in sections 374.400 to 374.410 shall mean:

(1) "Director" , the director of the department of commerce and insurance;

(2) "Dwelling-owners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises* which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' actual cash value;

(3) "Homeowners' insurance" , a policy of insurance on a one- or two-family owner-occupied premises* which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' replacement value;

(4) "Insurer" , any insurance company, reciprocal or inter-insurance exchange, licensed and authorized by the director to write homeowners' insurance, dwelling-owners' insurance, renters' or tenants' insurance, or residential fire insurance upon property located within this state;

(5) "Renters' or tenants' insurance" , a policy of insurance on a single- or multiple-family premises* which combines fire and allied lines with any one or more perils of casualty, liability, or other types of insurance within one policy form at a single premium, where the insurer's liability for damage to the contents of the premises* under said policy is determined with reference to the contents' actual cash value;

(6) "Residential fire insurance" , a policy of insurance which provides fire coverage or fire and allied lines coverage on a residential premises* within one policy form, where the insurer's liability for damage to the premises* under said policy is determined with reference to the premises' actual cash value.