Opinion ID: 2054434
Heading Depth: 1
Heading Rank: 7

Heading: Single Insurance Contract Multiple Insurance Coverages

Text: The statutory scheme reflects that the General Assembly did not intend for the multiple kinds of insurance defined in title 18, chapter 9 of the Delaware Code to be mutually exclusive in a single insurance contract. Title 18, section 901 of the Delaware Code expressly contemplates that certain insurance coverages may come within the definitions of 2 or more kinds of insurance as defined in [chapter 9]. [26] In those forms of insurance contracts, the statute provides that the inclusion of such coverage within 1 definition [does] not exclude it as to any other kind of insurance within the definition of which such coverage is likewise reasonably includable. [27] The Superior Court properly held that the inclusion of a personal property clause in the Woodwards' homeowner's insurance contract with Farm Family did not ipso facto make their entire homeowner's insurance contract a casualty insurance policy, as that term is used in title 18, section 3914 of the Delaware Code. To the extent that the Woodwards' homeowner's insurance contract provides insurance coverage as defined in title 18, section 904 of the Delaware Code, those clauses in the Woodwards' contract with Farm Family constitute a property insurance policy. [28] To the extent that other clauses in the Woodwards' insurance contract provide insurance coverage as defined in title 18, section 906(a)(5) of the Delaware Code, only those clauses constitute a casualty insurance policy and require notification to the insureds under section 3914. [29]