# Tenn. Code Ann. § 56-7-103: Misrepresentation or warranty will not void policy - Exceptions

> Tennessee · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-103

## Section

- **Citation:** Tenn. Code Ann. § 56-7-103
- **Heading:** Misrepresentation or warranty will not void policy - Exceptions
- **Jurisdiction:** Tennessee
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** TN Code / Title 56 / Chapter 7 / Section 56-7-103

## Text

No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the insured or in the insured's behalf, shall be deemed material or defeat or void the policy or prevent its attaching, unless the misrepresentation or warranty is made with actual intent to deceive, or unless the matter represented increases the risk of loss. Acts 1895, ch. 160, § 22; Shan., § 3306; Code 1932, § 6126; T.C.A. (orig. ed.), § 56-1103.
No written or oral misrepresentation or warranty made in the negotiations of a contract or policy of insurance, or in the application for contract or policy of insurance, by the insured or in the insured's behalf, shall be deemed material or defeat or void the policy or prevent its attaching, unless the misrepresentation or warranty is made with actual intent to deceive, or unless the matter represented increases the risk of loss.
Acts 1895, ch. 160, § 22; Shan., § 3306; Code 1932, § 6126; T.C.A. (orig. ed.), § 56-1103.

## Nearby sections

- [Tenn. Code Ann. § 56-7-101 Contract of insurance - Definition - Restrictions and limitations - Exceptions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-101.md)
- [Tenn. Code Ann. § 56-7-102 Policies to contain entire contract - Exceptions - Construed as Tennessee contracts - Rules of construction - Duty to defend - Determination of obligations - Assignment](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-102.md)
- [Tenn. Code Ann. § 56-7-103 Misrepresentation or warranty will not void policy - Exceptions](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-103.md)
- [Tenn. Code Ann. § 56-7-104 Hostilities shall not invalidate policy](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-104.md)
- [Tenn. Code Ann. § 56-7-105 Additional liability upon insurers and bonding companies for bad-faith failure to pay promptly](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-105.md)
- [Tenn. Code Ann. § 56-7-106 Liability of policyholders when action not brought in good faith](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-106.md)
- [Tenn. Code Ann. § 56-7-107 Suit on certificate issued under group insurance policy - Copy of policy attached to defendant's answer](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-107.md)
- [Tenn. Code Ann. § 56-7-108 Mortality tables](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-108.md)
- [Tenn. Code Ann. § 56-7-109 Definitions - Timely reimbursement of health insurance claims](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-109.md)
- [Tenn. Code Ann. § 56-7-110 Part definitions - Correction of payment errors - Retroactive denial of reimbursements](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-110.md)
- [Tenn. Code Ann. § 56-7-111 Property or casualty insurance - General contractor as a payee](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-111.md)
- [Tenn. Code Ann. § 56-7-112 Deferred individual annuity contracts - Minimum guaranteed surrender value](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-112.md)
- [Tenn. Code Ann. § 56-7-113 Inquiry by homeowner's insurance policyholder not grounds for premium increase or cancellation of policy - Communications necessitating investigation - Violation constitutes unfair trade practice](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-113.md)
- [Tenn. Code Ann. § 56-7-114 Certificates of insurance](https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-114.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_TN_T56_C7_S56-7-103. Check the current official text before relying on it. Not legal advice.