The other insurance clause states that if a loss is covered by another policy, then only a proportion of the loss that the limit of liability applies under this policy bears to the total amount of insurance covering the loss. Credit: Chris Ryan/KOTO/Adobe Stock
PropertyCasualty360.com editor's note: Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. The following letter was edited for length and clarity.
If an insured buys a new home and when moving from their current home to the new home, contents are damaged, is the claim covered under the current homeowner policy or the policy purchased for the new home?
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