Case Name: Patrick E. PATTERSON; Kris Lynn-Patterson, individuals, Plaintiffs-Appellants, v. AMERICAN ECONOMY INSURANCE COMPANY, a Corporation, Defendant-Appellee
Court: United States Court of Appeals for the Ninth Circuit
Jurisdiction: United States
Decision Date: 2018-02-05
Citations: 710 F. App'x 762
Docket Number: No. 16-16445
Parties: Patrick E. PATTERSON; Kris Lynn-Patterson, individuals, Plaintiffs-Appellants, v. AMERICAN ECONOMY INSURANCE COMPANY, a Corporation, Defendant-Appellee.
Judges: Before: RAWLINSON and BYBEE, Circuit Judges, and FRIEDMAN, District Judge.
Reporter: West's Federal Appendix
Volume: 710
Pages: 762–763

Head Matter:
Patrick E. PATTERSON; Kris Lynn-Patterson, individuals, Plaintiffs-Appellants, v. AMERICAN ECONOMY INSURANCE COMPANY, a Corporation, Defendant-Appellee.
No. 16-16445
United States Court of Appeals, Ninth Circuit.
Filed February 05, 2018
Submitted November 17, 2017 San Francisco, California
Quentin Cedar, Attorney, James Hugh Wilkins, Attorney, Wilkins Drolshagen & Czeshinski, Fresno, CA, for Plaintiffs-Appellants
Gary A. Hamblet, Attorney, Morris Po-lich & Purdy LLP, Los Angeles, CA, for Defendant-Appellee
Before: RAWLINSON and BYBEE, Circuit Judges, and FRIEDMAN, District Judge.
The panel unanimously concludes this case is suitable for decision without oral argument. See Fed. R. App. P. 34(a)(2).
The Honorable Paul L. Friedman, United States District Judge for the District of Co- ' lumbia, sitting by designation.

Opinion:
MEMORANDUM
Appellants Patrick E. Patterson and Kris Lynn-Patterson (Pattersons) appeal the district court's grant of summary judgment in favor of Appellee American Economy Insurance Company (AEIC). We affirm the district court's judgment.
The insurance policy provided that AEIC would compensate the Pattersons for "loss or damage in any one occurrence." The policy declarations contained a Limits of Insurance provision capping losses for i "business personal property" at $103,000. The Pattersons sought compensation for several instances of property theft from the same storage facility occurring over the course of several days. The record reflects that the same individual was responsible for the series of thefts. AEIC agreed to pay the maximum $103,000 as provided in the Limits of Insurance provision based on a single occurrence.
Under California insurance law, "when a scheme to steal property is the proximate and continuing cause of a series or combinations of thefts, the losses for liability insurance purposes constitute part of a single occurrence." Eott Energy Corp. v. Storebrand Int'l Ins. Co., 45 Cal. App. 4th 565, 576, 52 Cal.Rptr.2d 894 (1996) (citations omitted). As a result, the district court correctly concluded that the thefts constituted a single occurrence, and AEIC was not required to provide additional compensation to the Pattersons beyond the policy limits for a single occurrence. See id. The district court properly denied relief on the claim for breach of the insurance contract.
The district court also properly granted summary judgment on the Pattersons' claim for breach of the implied covenant of good faith and fair dealing because AEIC reasonably denied additional compensation for the property theft under California law. See id. at 577-78, 52 Cal.Rptr.2d 894; see also Tilbury Constructors, Inc. v. State Comp. Ins. Fund, 137 Cal. App. 4th 466, 475, 40 Cal.Rptr.3d 392 (2006) (explaining that "there are at least two separate requirements to establish breach of the implied covenant: (1) benefits due under the policy must have been withheld; and (2) the reason for withholding benefits must have been unreasonable or without proper cause") (citation omitted).
AFFIRMED.
This disposition is not appropriate for publication and is not precedent except as provided by Ninth Circuit Rule 36-3.