Exclusions

 (Exclusions to Personal Property)

There is no standard policy that will cover all sources of damages and depending on the policy you carry you may find certain exclusions to coverage provided towards your personal property.

Additional coverage can be applied through “endorsements”, “floaters” and “riders” to meet your needs of insurance coverage.

Exclusions to the following coverage on personal property can be found under Section I (Coverage C) Personal Property.

    Coverage Does Not Apply To:
 
      Property separately insured under another insurance
     policy or separately described and specifically insured
     under the policy.
 
      Pets (dogs, cats, birds, fish, etc.).
 
      Motor vehicles or all other motorized and conveyances.
     Keep in mind that a policy will cover vehicles or
     conveyances that are not subject to motor vehicle
     registration such as:
 
                       • an electric wheelchair
                       • a rider mower

      Aircraft and parts unless it is a model aircraft and not
     used or designed to carry people or cargo.

      Property of roomers, boarders and other tenants unless
     related to the insured. 

      Property in an apartment that is regularly rented or held
     for rental to others. (Coverage may be applied under
     Additional Coverage.)

      Property that is rented or held for rental to others off the
     residence premises. Excluded coverage in a particular
     section of a policy may be provided under Additional
     Coverage. Keep in mind that coverage may be limited to
     a dollar amount and exclusions may apply.

      Books of account and drawings.
     (Bookkeeping records on paper, on electronic data, on
     computer software such as discs or other media.) 
     Keep in mind that coverage may apply to cover the cost
     of blank recording or storage media and of pre recorded
     computer programs.

      Stolen credit cards, lost credit cards or the misplacement
     of your credit cards. Excluded coverage in a particular
     section of a policy may be provided under Additional
     Coverage. Depending on the policy you carry, coverage
     will differ from a Basic Policy, Broad Policy and Special
     Policy.
 

    Exclusions Applying To All HO Policies:
 
   (The following exclusions applying to all HO Policies can be
   found under Section I Exclusions.)
 
   Coverage (protection) is excluded under all HO Policies for
   the following listed perils (damages from certain
   circumstances).
 
              Ordinance or Law
              Earth movement
              Water damage
              Power failure
              War
              Nuclear hazard
              Intentional loss
              Neglect