If insurances are desired for mills, or for any larger sums than are specified in the above articles; or for any other insurances more hazardous than those already described, as sugarbakers, distillers, or the like; or by reason of the nature of the trade or goods, the narrowness of the place, or other dangerous circumstances, it may be done by special agreement. VI. To prevent frauds, persons insured by this office shall receive no benefit from their policies, if the same houses or goods are insured in any other office, unless such insurance be first specify’d and allow’d by an indorsement on the back of the policy, in which case this office will pay their ratable proportion on any loss or damage; and if any person or persons shall insure his, her, or their houses, goods, wares or merchandize, and shall cause the same to be described in the policy otherwise than as they really are, so as the same be insured at a lower premium than proposed in the table, such insurance shall be of no force nor the person insuring receive any benefit by such policy, in case of any loss or damage. VII. No loss or damage to be paid on fire happening by any invasion, foreign enemy, civil commotion, or any military or usurped power whatsoever. VIII. When any person dies, the policy and interest therein shall continue to the heir, executor, or administrator respectively, to whom the right of the premises insured shall belong; provided, before any new payment made, such heir, executor, or administrator, do procure his or her right to be indorsed on the policy at the said office, or the premium be paid in the name of the said heir, executor, or administrator. IX. Persons changing the habitations or wherehouses, may preserve the benefit of their policies, if the nature and circumstance of such policy is not alter’d; but such insurance will be of no force, till such removal or alteration is allow’d at the office by indorsement on the policy. Insurances on buildings and goods are deemed distinct and separate risks; so that the premium on goods is not advanced by reason of any insurance on the building wherein the goods are kept, nor the premium on the buildings by reason of any insurance on the goods.