The following excerpt is from Mechaber v. Omaha Indem. Co., 350 N.Y.S.2d 301, 75 Misc.2d 969 (N.Y. App. Term 1973):
[75 Misc.2d 970] It is crystal clear that these scrolls were not 'personal effects' owned by the insured and were not within the explicit coverage of the policies as such. The critical question is whether or not the scrolls were 'baggage' within the meaning of that term as used in the insurance policies and as understood by the ordinary businessman in the circumstances of plaintiff at the time he purchased the insurance (Harris v. Allstate Ins. Co., 309 N.Y. 72, 75, 127 N.E.2d 816).
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