Common use of Damage to Property of Others Clause in Contracts

Damage to Property of Others. Regardless of an insured's legal liability, we pay for property of others damaged by an insured, or we repair or replace the property, to the extent practical, with property of like kind and quality. Our limit for this coverage is $500 per occurrence. The exclusions that apply to Coverages L and M do not apply to this coverage. However, we do not pay for damage to property: a. owned by an insured, or owned by, rented to or leased to another resident of your household or the tenant of an insured; b. caused intentionally by an insured who has attained the age of 13; or c. resulting in whole or in part from: 1) activities related to a business of an insured; 2) premises owned, rented or controlled by an insured, other than an insured premises; or 3) the ownership, operation, maintenance, use, occupancy, renting, loaning, entrusting, supervision, loading or unloading of motorized vehicles, aircraft or watercraft. We do pay for property damage to motorized vehicles not subject to motor vehicle registration and not owned by an insured if the motorized vehicle is used only to service the premises or if it is designed for recreational use off public roads.

Damage to Property of Others. Regardless of an insured's legal liability, we pay for property of others damaged by an insured, or we repair or replace the property, to the extent practical, with property of like kind and quality. Our limit for this coverage is $500 per occurrence. The exclusions that apply to Coverages L and M do not apply to this coverage. However, we do not pay for damage to property: a. owned by an insured, or owned by, rented to or leased to another resident of your household or the tenant of an insured; b. caused intentionally by an insured who has attained the age of 13; or c. resulting in whole or in part from: 1) activities related to a business of an insured; 2) premises owned, rented or controlled by an ; insured, other than an insured premises; or 3) the ownership, operation, maintenance, use, occupancy, renting, loaning, entrusting, supervision, loading or unloading of motorized vehicles, aircraft or watercraft. We do pay for property damage to motorized vehicles not subject to motor vehicle registration and not owned by an insured if the motorized vehicle is used only to service the premises or if it is designed for recreational use off public roads.