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NOT FOR PUBLICATION WITHOUT THE APPROVAL OF THE APPELLATE DIVISION

Argued May 29, 2001

By summary judgment, the trial court ordered defendant Gerling America Insurance (Gerling) to provide first-party coverage for a loss suffered by plaintiff Fairlawn Industries, Ltd. (Fairlawn) as a result of a sewer pipeline break. The break occurred under the Passaic River, 385 feet from Fairlawn’s property line. The insurance policy issued by Gerling covered Fairlawn’s “Described Premises or on land within 1,000 feet thereof.” Gerling argues that no coverage is provided under the policy because Fairlawn’s loss did not occur on “land.” We disagree. In our view, a reasonable insured would expect that the Passaic River bed constituted “land” despite the fact that the river bed was covered with water. We therefore affirm.*fn1

 
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