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1. The person insured is the same;
2. There are two or more insurers insuring separately;
3. The subject matter is the same;
4. The interest insured is also the same;
5. The risk or peril insured against is likewise the same
2. There are two or more insurers insuring separately;
3. The subject matter is the same;
4. The interest insured is also the same;
5. The risk or peril insured against is likewise the same
