Opinion ID: 2112270
Heading Depth: 1
Heading Rank: 2

Heading: attach form and endorsements (if any) here [5]

Text: No endorsements or forms were attached to the policy at that point. This circumstance alone could have led the insured to believe that other insurance was not prohibited. In addition, further down Page 3 we find an apportionment provision describing how a loss occasioned by fire is to be prorated in the event that there is other insurance. This provision clearly suggests that other insurance is not only permissible, but that it is anticipated. Finally, even had the insured known that the apportionment provision could be displaced by an endorsement attached prohibiting other insurance, he would not have found that superseding provision in the logical place, i. e., among the pages that actually were attached to the body of the policy and were specifically entitled change endorsement,  additional policy conditions mandatory endorsement,  amendatory cancellation and nonrenewal endorsement  and optional renewal plan endorsement  (emphases added). Rather, the insured would have had to know that the other insurance prohibition provision was not included with the other attached endorsements, but was to be found on Page 4 of the main policy, typed in the same typeface as twenty-three other General Conditions, and included within a section entitled Conditions Applicable Only to Section 1. We conclude that the presiding justice correctly interpreted the plain meaning of § 3002 to require that a provision prohibiting or limiting other insurance be made by endorsement separate from, but attached to, the body of the insurance policy.