Di Battisto v. Metropolitan Property & Liability Insurance

The question for determination is whether silver household flatware is an “article containing ... silver” as the term is used in a Homeowner’s Insurance Policy clause to limit recovery in the event of loss.

The applicable clause in its entirety provides:

Metropolitan’s liability shall be subject to the following limits per occurrence:

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4. $1,000 in the aggregate for loss by theft of articles of jewelry, watches, necklaces, bracelets, gems, articles containing gold, silver, or platinum, furs, articles containing fur which represents its principal value, and cameras, and camera…