11 canonical passages across 6 cases, quoted by 94 opinions in total. These passages cluster together because the same opinions keep quoting them side by side — they state parts of one doctrine. The anchor passage is from Chubb Custom Insurance v. Prudential Insurance Co. of America.
| # | Case | Flag | Canonical passage | Citers |
|---|---|---|---|---|
| 1 | Chubb Custom Insurance v. Prudential Insurance Co. of America Anchor | green | “if the language is clear, that is the end of the inquiry.” | 18 |
| 2 | Zacarias v. Allstate Insurance | green | “the words of an insurance policy are to be given their plain, ordinary meaning.” | 13 |
| 3 | Zacarias v. Allstate Insurance | green | “we give special scrutiny to insurance contracts because of the stark imbalance between insurance companies and insureds in their respective understanding of the terms and conditions of insurance policies.” | 10 |
| 4 | Zacarias v. Allstate Insurance | green | “when there is ambiguity in an insurance contract, courts interpret the contract to comport with the reasonable expectations of the insured, even if a close reading of the written text reveals a contrary meaning.” | 9 |
| 5 | Princeton Insurance v. Chunmuang | green | “exclusions are ordinarily strictly construed against the insurer, and if there is more than one possible interpretation of the language, courts apply the meaning that supports coverage rather than the one that limits it.” | 8 |
| 6 | Gibson v. Callaghan | green | “in the absence of any ambiguity, courts should not write for the insured a better policy of insurance than the one purchased.” | 8 |
| 7 | Reliance Ins. Co. v. Armstrong | green | “burden is on the insured to bring the claim within the basic terms of the policy.” | 7 |
| 8 | Royal Ins. Co. v. Rutgers Cas. | green | “where the express language of the policy is clear and unambiguous, 'the court is bound to enforce the policy as it is written.” | 7 |
| 9 | Gibson v. Callaghan | green | “for the insured a better policy of insurance than the one purchased.” | 7 |
| 10 | Gibson v. Callaghan | green | “in the absence of any ambiguity, courts 'should not write for the insured a better policy of insurance than the one purchased.” | 4 |
| 11 | Reliance Ins. Co. v. Armstrong | green | “to bring the claim within the basic terms of the policy.” | 3 |
A red or yellow flag on a member means the underlying case has negative treatment — for those, check the case page before relying on the passage.