In Illinois, if the terms of the policy are clear and unambiguous, they must be given their plain and ordinary meaning. 87 Ill. App. The insurance policy issued to plaintiff provides coverage for business personal property only. We will pay for the actual loss of business income you sustain due to the necessary suspension of your 'operations' during the 'period of restoration'. Plaintiff contends that the gas pumps are business personal property for which the policy provides coverage.
Defendant contends that the gas pumps are fixtures and thus part of the realty.
Defendant also contends that the policy issued to plaintiff does not provide coverage for damage to the realty. In Illinois, a fixture is, by definition, real property because it is incorporated in or attached to realty. 195 Ill. App. Additionally, we note that no Illinois court has specifically addressed cases dealing with gasoline pumps as personalty or fixtures. Notwithstanding, we find that the gasoline pumps, in this case, are part of the realty and cannot be considered as part of the personalty covered by the policy.