2 Conn. Cir. Ct. 112 | Conn. App. Ct. | 1963
No evidence was taken in the trial court. The issues were submitted and decided upon an agreed statement of facts. On or about March
Under the defendant’s homeowners’ policy No. H 942452, which is made a part of the record, § I, captioned “Coverages and Limit of Liability,” contains four definitions of “coverages”: dwelling, ap
“Coverage C — Unscheduled Personal Property
“1. On premises: This policy covers unscheduled personal property usual or incidental to the occupancy of the premises as a dwelling, owned, worn or used by an insured, while on the premises, or at the option of the named insured, owned by others while on the portion of the premises occupied exclusively by the insured.
“This coverage does not include: animals, birds, automobiles, vehicles licensed for road use and aircraft; the property of roomers or boarders not related to the insured; articles carried or held as samples or for sale or for delivery after sale or for rental to others; and property which is separately described and specifically insured in whole or in part by this or any other insurance.
“2. Away from premises: This policy also covers unscheduled personal property as described and limited, while elsewhere than on the premises, anywhere in the world, owned, worn or used by an insured, or at the option of the named insured, owned by a guest while in a temporary residence of, and occupied by an insured or owned by a residence employee while actually engaged in the service of an insured and while such property is in the physical custody of such residence employee or in a*115 residence temporarily occupied by an insured. Property pertaining to a business is not covered.
“The limit of this company’s liability for such property while away from the premises shall be an additional amount of insurance equal to 10% of the amount specified in Coverage C, but in no event less than $1,000.00.”
The sole question to be determined in this case is whether the damage involved was, within the provisions of the defendant’s policy quoted above, “separately described and specifically insured” and was therefore not covered by the defendant’s policy.
This question depends upon the construction of the policy, and in its solution we must seek the intention of the parties, making use of the rules and canons of construction and interpretation which have been recognized by our courts as useful and helpful in such cases. See Downs v. National Casualty Co., 146 Conn. 490, 494, and cases cited. If the language of the policy is free from ambiguity, -the intention of the parties must be sought therein. If the language is ambiguous, then the surrounding circumstances, the situation of the parties, and the objects intended to be accomplished may all be considered, and the language read in the light which they reflect.
“Where an insurance policy contains an express provision against liability if the insured carries other more specific insurance, or limiting liability to the excess over such insurance, this provision will be given effect, and the insurer will not be liable, either for the whole or for a ratable proportion of the loss, if other more specific insurance is carried.” Note, 150 A.L.R. 636, 639, and cases cited. “Sometimes policies contain an express provision against
There is no error.
In this opinion Kosicki and Pkityn, Js., concurred.