What is a common result of a false description of property in insurance?

In the context of insurance, providing a false description of property can often lead to a violation of the policy agreement. Insurance contracts are based on the principle of "utmost good faith," meaning that both parties must act honestly and disclose all relevant information. When an insured party provides incorrect or misleading information about the property being insured, it can be seen as a breach of that principle.

This misrepresentation can result in the insurer not being able to accurately assess risks or determine the appropriate premium for coverage. In many cases, insurers might consider the accuracy of the property description as foundational to the contract. If the description is false, it undermines the insurer's ability to manage risk effectively, which is essential to their operations.

As for the other options, increasing the policy premium can occur based on various factors, but it is not a direct result of a false property description. Refusal of service might happen under different circumstances, and coverage being canceled is certainly a possibility, but it typically follows after a breach of the policy agreement. Thus, the most direct and fundamental issue arising from a false description is indeed the violation of the policy agreement itself.