Hubbard v. LUMBERMEN'S MUTUAL CASUALTY COMPANY

HEDRICK, Judge.

Defendant first contends the trial court erred in concluding that plaintiff was entitled to recover $25.00 for the damage to the police monitor radio as a “personal effect.” The pertinent provision of the insurance policy is as follows:

“Coverage E (2) — Personal Effects(2) To pay for loss caused by fire or lightning to robes, wearing apparel and other personal effects which are the property of the named insured or a relative, while such effects are in or upon the owned automobile.”

While the trial judge denominated the police monitor radio as a “personal effect. . . under the…