When two policies cover the insured's property but the limits and types of property differ, potentially causing gaps in coverage, this situation is known as?

• A. Nonconcurrence
• B. Pro Rata Liability
• C. Combined Single
• D. Per Person

Answer: (A)

Nonconcurrence occurs when two property insurance policies in force at the same time do not cover the same property or the same loss in the same way, creating gaps in coverage. When the policies have different kinds of property covered and different limits, a single incident can involve areas that neither policy fully covers, so parts of the loss may go uninsured. This is specifically about how property coverages align, not about how liability losses are shared or how limits are structured in liability policies. For example, if one policy covers the building and another covers contents, but neither fully aligns on perils or limits, a fire could damage items that aren’t completely covered by either policy.