For an additional premium, the Perils Insured Against under Coverage C are deleted and replaced by those shown below. This coverage is provided with the understanding that you occupy the unit in which property covered under Coverage C is located.

SECTION I - PERILS INSURED AGAINST

We insure against risk of direct loss to property described in Coverage C, only if that loss is a physical loss to property.

We do not insure, however, for loss:

1. Excluded under SECTION I - EXCLUSIONS;
2. To property in a unit regularly rented or held for rental to others by you;
3. Caused by:

a. Freezing of a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance, or by discharge, leakage or overflow from within the system or appliance caused by freezing. This exclusion applies only while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to:

(1) Maintain heat in the building; or
(2) Shut off the water supply and drain the system and appliances of water;

b. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a;

(1) Fence, pavement, patio, or swimming pool;
(2) Foundation, retaining wall or bulkhead; or
(3) Pier, wharf or dock;

c. Theft in or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling is finished and occupied;

d. Any of the following:

(1) Wear and tear, marring, deterioration;
(2) Inherent vice, latent defect, mechanical breakdown;
(3) Smog, rust or other corrosion, mold, wet or dry rot;
(4) Smoke from agricultural smudging or industrial operations;
(5) Discharge, dispersal, seepage, migration, release or escape of pollutants unless the discharge, dispersal, seepage, migration, release or escape is itself caused by one or more of the Perils Insured Against that would apply under Coverage C of this policy form if this endorsement were not attached to the policy form.

Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste, Waste includes material to be recycled, reconditioned or reclaimed;

(6) Settling, Shrinking, bulging or expansion, including resultant cracking, or pavement, patios, foundations, walls, floors, roofs or ceilings;
(7) Birds, vermin, rodents or insects; or
(8) Animals owned or kept by an insured.

If any of these cause water damage not otherwise excluded , from a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, we cover loss caused by the water including the cost of tearing out and replacing any part of a building necessary to repair the system or appliance.

We do not cover loss to the system or appliance from which this water escaped;

e. Breakage of:

(1) Eyeglasses, glassware, statuary, marble;
(2) Bric-a-brac, porcelains and similar fragile articles other than jewelry, watches, bronzes, cameras and photographic lenses.

There is coverage for breakage of the property by or resulting from:

(1) Fire, lightning, windstorm, hail;
(2) Smoke, other than smoke from agricultural smudging or industrial operations;
(3) Explosion, riot, civil commotion;
(4) Aircraft, vehicles, vandalism and malicious mischief or volcanic eruption;
(5) Collapse of a building or any part of a building;
(6) Water not otherwise excluded;
(7) Theft or attempted theft; or
(8) Sudden and accidental tearing apart, cracking, burning or bulging of:

(a) A steam or hot water heating system;
(b) An air conditioning or automatic fire protective sprinkler system; or
(c) An appliance for heating water;

f. Dampness of atmosphere or extremes of temperature unless the direct cause of loss is rain, snow, sleet or hail;
g. refinishing, renovating or repairing property other than watches, jewelry and furs;
h. Collision, other than collisionwith a landvehicle, sinking, swamping or stranding of watercraft, including their trailers, furishings, equipment and other outboard engines or motors.
i. Destruction, confiscation or seizure by order of any government or public authority; or
j. Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body.

Under items 3.a. through 3.d., and under item 3.j., any ensuing loss to property described in Coverage C not excluded or excepted in this policy is covered.

SECTION I - COVERAGE C - PERSONAL PROPERTY

The Special Limits of Liability items 5., 6., and 7. are deleted and replaced by the following:

5. $1,000 for loss by theft, misplacing or losing ofjewelry, watches, furs, precious and semi- precious stones.
6. $2,000 for loss by theft, misplacing or losing of firearms.
7. $2,500 for loss by theft, misplacing or losing of silverware, silver-plated ware, goldware, gold- plated ware and pewterware. This includes flatware, hollowware, tea sets, trays and trophies made of or including silver, gold or pewter.

SECTION I- ADDITIONAL COVERAGES

8. Collapse

Paragraph a. is deleted and replaced by the following:

a. Perils Insured Against in Coverage A.

The following paragraph is also added:

This additional coverage does not apply to Coverage C - Personal Property.

SECTION I - EXCLUSIONS

2. Earth Movement.

This exclusion applies only to property described inCoverages A and C.

3. Water Damage. The following paragraphs are added:

Water damage to propety described in Coveage C away from a premises or location owned, rented, occupied or controlled by an insured is covered.

Water damage to property described in Coverage C on a premises orlocation owned, rented, occupied or controlled by an insured is excluded even if weather conditions contribute in any way to produce the loss.

All other provisions of this policy apply.

AUTO CLUB FAMILY INSURANCE COMPANY