Insurance Co. of North America v. Samuels

1. If a policy of insurance is capable of being construed in different ways, that interpretation must be placed upon it which is most favorable to the insured. Massachusetts Benefit Life Asso. v. Robinson, 104 Ga. 256 (2) (30 S. E. 918, 42 L. R. A. 261). An exception in a policy of insurance is to be taken most strongly against the insurer. Empire Life Insurance Co. v. Einstein, 12 Ga. App. 380 (4) (77 S. E. 209).

2. A policy of insurance against loss by theft, pilferage, or larceny of personal effects such as “wearing apparel, bedding, linens, plate and plated ware, printed books and music,…