... policy to J&H without consent was expressly prohibited by N.J.S.A. 17:36-5.19, and Condition T in the policy. Defendant said, 'The inherent ... in all fire insurance policies in New Jersey by statute. N.J.S.A. 17:36-5.19. The judge also held under prevailing New Jersey law, transferring ... be valid except with the written consent of the insurer,' N.J.S.A. 17:36-5.19; and that provisions may be added or amended only if ...