Opinion ID: 1801118
Heading Depth: 1
Heading Rank: 1

Heading: pertinent policy clauses

Text: The St. Paul policy contained a standard pro rata clause. In substance it provides that if there is other valid and collectable insurance on the same property, St. Paul is liable for only its pro rata share. The portion of State Farm's policy providing fire coverage contains no such clause but does contain the following pertinent provisions: Other insurance covering the property insured is not permitted, except against losses not insured against under this policy or unless this policy is otherwise endorsed. Unless otherwise endorsed, this policy shall be excess over any other insurance whether prior or subsequent hereto, and by whomsoever effected, directly or indirectly covering loss or damaged insured hereunder, and this Company shall be liable only for the excess of such loss or damage beyond the amount due from such other insurance, whether collectable or not, however, not exceeding the limits as set forth in the Declarations. If other insurance is permitted and loss under this policy is subject to a deductible, this Company shall not be liable for more than its pro rata share of such loss in excess of the deductible amount.