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,
earthquake 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 |