North Dakota Code § 26.1-31-06

Double insurance of one of several things
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The procurement of any other insurance contract upon one or more of several distinct 
interests insured by one insurance policy does not render void any insurance upon the interests 
not covered by such other insurance contract. In case of loss or damage, the value of property 
doubly insured must be deducted from the value of all the property covered by the insurance 
policy. Any agreement made to waive the provisions of this section is void.

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