Wisconsin Code § 631.45

Limitations on loss to be borne by insurer
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(1)
GENERAL. An insurance policy indemnifying an insured against
loss may by clear language limit the part of the loss to be borne by
the insurer to a specified or determinable maximum amount, to
loss in excess of a specified or determinable amount, to a specified percentage of the loss, which may vary with the amount of
the loss, or by a combination of these methods. If the policy covers various risks, different limitations may be provided separately
for each risk if the policy clearly so states.
(2) PROPERTY COINSURANCE. A policy indemnifying an insured against loss of or damage to property may limit the part of
the loss to be borne by the insurer to a percentage of the total loss
that corresponds to the ratio of the insured sum to a specified percentage of the value of the insured property.

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