The Court affirms the judgment of the Appellate Division substantially for the reasons expressed in Judge Yannotti’s thoughtful opinion. The Court relies principally on the Appellate Division’s analysis of the plain language of the relevant insurance policies. 461 N.J. Super. at 454-57. The Court does not rely on the discussion of Appleman’s Rule or the doctrine of contra proferentem. See id. at 460-63.