Which information is generally not considered material for a fire insurance proposal?

In the context of a fire insurance proposal, material information is any detail that could influence the insurer's decision to provide coverage or the terms of that coverage. In this case, details of a mortgage secured on the property are typically not considered material because they do not directly impact the risk associated with insuring the property from fire-related incidents.

On the other hand, information such as the materials used to construct the building, the purpose for which the building will be used, and whether the premises are solely occupied by the proposer are crucial for assessing risk. For example, the construction materials could significantly affect the fire resistance of the structure, while the building's purpose may determine the types of fire hazards present. Additionally, the occupancy of the premises can influence the likelihood of a fire occurring or the extent of damage if one does happen. All of these factors are essential for underwriters to assess the risk accurately and set appropriate premiums or terms.