When two different kinds of policies coverTo protect with insurance, or the insurance protection provided. More the same loss, the insurance is said to be “overlapping.” This does not mean, for example, when two fire insuranceCoverage for losses from fire and lightning and also the resultant damage caused by smoke and water. Usually supplemented by Extended Coverage Insuran... More policies coverTo protect with insurance, or the insurance protection provided. More the same loss, which is called “contributing insurance.” However, if an inland marine policyLegally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. More and a fire policyLegally binding contract effecting insurance or certificates thereof, including all clauses, riders, endorsements and renewals. More covered the same loss, they would be overlapping.