Common use of PERILS INSURED AGAINST Clause in Contracts

PERILS INSURED AGAINST. We insure against risk of direct physical loss to prop- erty described in Coverages A, B and C. We do not insure, however, for loss: A. Under Coverages A, B and C: 1. Excluded under Section I – Exclusions; 2. Caused by: a. Freezing of a plumbing, heating, air condi- tioning 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 freez- ing. This provision does not apply if you have used reasonable care to: (1) Maintain heat in the building; or (2) Shut off the water supply and drain all systems 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) Footing, foundation, bulkhead, wall, or any other structure or device, that sup- ports all or part of a building or other structure; (3) Retaining wall or bulkhead that does not support all or part of a building or other structure; or (4) 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. Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental discharge or overflow of water or steam from within: (1) A plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem, or a household appliance, on the "residence premises"; or (2) A storm drain, or water, steam or sewer pipes, off the "residence premises". e. Any of the following: (1) Wear and tear, marring, deterioration; (2) Mechanical breakdown, latent defect, inherent vice, or any quality in property that causes it to damage or destroy it- self; (3) Smog, rust or other corrosion, or dry rot; (4) Smoke from agricultural smudging or industrial operations; (5) Discharge, dispersal, seepage, migra- tion, release or escape of pollutants un- less the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured Against in a. through o. as listed in E.10. Landlord's Furnishings under Section I – Property Coverages. Pollutants means any solid, liquid, gaseous or thermal irritant or contami- nant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed; (6) Settling, shrinking, bulging or expansion, including resultant cracking, of bulk- heads, pavements, patios, footings, foundations, walls, floors, roofs or ceil- ings; (7) Birds, vermin, rodents, or insects; or (8) Animals owned or kept by an "insured". Exception To 2.e. (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under d. and e. above.

PERILS INSURED AGAINST. With respect to Coverage C – Personal Property, this section is replaced by the following: We insure insured against risk of direct physical loss to prop- erty described in Coverages A, B and Coverage C. We do not insure, however, for loss: A. Under Coverages A, B and C: 1. Excluded under Section I – Exclusions;: 2. Caused byby : a. Freezing of a plumbing, heating, air condi- tioning condition- ing or automatic fire protective sprinkler system sys- tem or of a household appliance, or by dischargedis- charge, leakage or overflow from within the system or appliance caused by freez- ingfreezing. This provision does not apply if you have used reasonable rea- sonable care to: (1) Maintain heat in the building; or (2) Shut off the water supply and drain all systems sys- tems 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) Footing, foundation, bulkhead, wall, wall or any other structure or device, device that sup- ports all or part of a building or other structure;; or (3) Retaining wall or bulkhead that does not support all or part of a building or other structure; or (4) Pier, wharf or dock; c. Theft in or to a dwelling under construction, or of materials and supplies for use in the construction con- struction until the dwelling is finished and occupiedoc- cupied; d. MoldConstant or repeated seepage or leakage of water or the presence or condensation of hu- midity, fungus moisture or wet rot. Howevervapor, we do insure for loss caused by moldover a period of 14 or more days unless such seepage or leakage of water or the presence or condensation of humidity, fungus moisture or wet rot that vapor and the resulting damage is hidden unknown to all “insureds” and is hid- den within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental discharge or overflow structure; e. Breakage of water or steam from within:eyeglasses, glassware, statuary, marble, bric-a-brac, porcelains and similar fragile articles other than jewelry, watches, bronzes, cameras and photographic lenses. (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; (5) Collapse of a building or any part of a building; (6) Water not otherwise excluded; (7) Theft or attempted theft; or (8) Xxxxxx and accidental tearing apart, cracking, burning or bulging of: a. A plumbing, heating, steam or hot water heating system; b. An air conditioning or automatic fire protective sprinkler sys- tem, or a household appliance, on the "residence premises"system; or (2) A storm drainc. An appliance for heating water; f. Dampness of atmosphere or extremes of tem- perature unless the direct cause of liss is rain, snow, sleet or waterhail; g. Refinishing, steam renovating or sewer pipesrepairing property other than watches, off jewelry and furs; h. Collision, other than collision with a land vehi- cle, sinking, swamping or stranding of water- craft, including their trailers, furnishings, equip- ment and outboard engines or motors; i. Acts or decisions, including the "residence premises".failure to act or decide, of any person, group, organization or governmental body; or e. j. Any of the following: (1) Wear and tear, marring, deterioration; (2) Mechanical breakdown, latent defect, inherent in- herent vice, or any quality in property that causes it to damage or destroy it- selfitself; (3) Smog, rust or other corrosion, or dry rot; (4) Smoke from agricultural smudging or industrial in- dustrial operations; (5) Discharge, dispersal, seepage, migra- tionmigration, release or escape of pollutants un- less unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril one or more of the Perils Insured Against in a. through o. as listed in E.10. Landlord's Furnishings that would apply under Section I – Property Coverages. Pollutants means any solid, liquid, gaseous or thermal irritant or contami- nant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials Coverage C of the pol- icy form if this endorsement were not at- tached to be recycled, reconditioned or reclaimed;the policy form. (6) Settling, shrinking, bulging or expansion, including resultant cracking, of bulk- headsbulkheads, pavements, patios, footings, foundations, walls, floors, roofs or ceil- ingsceilings; (7) Birds, vermin, rodents, rodents or insects; or (8) Animals owned or kept by an "“insured"”. Exception To 2.eto 2.j. (i) Storm draink. Mysterious disappearance, losing or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises"mis- placement. Section I – Exclusion 3. Water Damage (Ex- clusion A.3. Water Damage, in Forms HO 00 03 and HO 00 05). Paragraphs a. A. and c. C. that apply to surface water wa- ter and water below the surface of the ground ground, do not apply to loss by water covered under d. Paragraphs 2.d. and e. j. above. Under Paragraphs 2.a. through d., i. and j, above, any ensuing loss to property described in Coverage C not precluded by any other pro- vision in this policy is covered.

PERILS INSURED AGAINST. We insure against risk of direct physical loss to prop- erty described in Coverages A, COVERAGE A - DWELLING and COVERAGE B and C. We do not insure, however, for loss: A. Under Coverages A, B and C:- OTHER STRUCTURES 1. Excluded under Section I – Exclusionsinvolving collapse, other than as provided in Additional Coverage 8; 2. Caused caused by: a. Freezing freezing of a plumbing, heating, air condi- tioning 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 freez- ingfreezing. This provision does not apply if exclusion applies only while the dwelling is vacant, unoccupied or being constructed unless you have used reasonable care to: (1) Maintain maintain heat in the building; or (2) Shut shut off the water supply and drain all systems the system and appliances of water.; b. Freezingfreezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a: (1) Fencefence, pavement, patio or swimming pool; (2) Footing, foundation, bulkhead, wall, or any other structure or device, that sup- ports all or part of a building or other structure; (3) Retaining retaining wall or bulkhead that does not support all or part of a building or other structurebulkhead; or (43) Pier, wharf or dock; c. Theft theft in or to a dwelling under construction, or of materials and supplies for use in the construction until the dwelling dwellings is finished and occupied;: d. Mold, fungus vandalism and malicious mischief or wet rotbreakage off glass and safety glazing materials if the dwellings has been vacant or unoccupied for more than 30 consecutive days immediately before the loss. However, we do insure for loss caused by mold, fungus A dwelling being constructed is not considered vacant. e. constant or wet rot that is hidden within the walls repeated seepage or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental discharge or overflow leakage of water or steam over a period of weeks, months or years from within: (1) A within a plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem, system or from within a household appliance, on the "residence premises"; or (2) A storm drain, or water, steam or sewer pipes, off the "residence premises". e. Any of the following: (1) Wear wear and tear, marring, deterioration; (2) Mechanical breakdowninherent vice, latent defect, inherent vice, or any quality in property that causes it to damage or destroy it- selfmechanical breakdown; (3) Smogsmog, rust or other corrosionrust, mold, wet or dry rot;. (4) Smoke smoke from agricultural smudging or industrial operations; (5) Dischargerelease, dispersal, seepage, migra- tion, release discharge or escape dispersal of pollutants un- less the discharge, dispersal, seepage, migration, release contaminants or escape is itself caused by a Peril Insured Against in a. through o. as listed in E.10. Landlord's Furnishings under Section I – Property Coverages. Pollutants means any solid, liquid, gaseous or thermal irritant or contami- nant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimedpollutants; (6) Settlingsettling, cracking, shrinking, bulging bulging, or expansion, expansion including resultant cracking, of bulk- heads, pavements, patios, footings, foundations, walls, floors, roofs roofs, or ceil- ings;ceilings; or (7) Birdsbirds, vermin, rodents, insects or insects; or (8) Animals owned or kept by an "insured"domestic animals. Exception To 2.e. (i) Storm drainIf any of these cause water damage not otherwise excluded, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbingfrom a plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem system or household appliance on appliance, we cover loss caused by the "residence premises". This includes water including the cost to tear or tearing out and replace replacing any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary building necessary to repair the system or appliance. However, such tear out and replace- ment coverage only applies We do not cover loss to other structures if the system or appliance from which this water or steam causes actual damage to a building on the "residence premises"escaped. 3. excluded under Section I Exclusion A.3- Exclusions. Water DamageUnder items 1 and 2, Paragraphs a. any ensuing loss to property described in Coverage A and c. that apply to surface water and water below the surface of the ground do B not apply to loss by water covered under d. and e. aboveexcluded or excepted in this policy is covered.

PERILS INSURED AGAINST. A. Coverage A — Dwelling And Coverage B — Other Structures 1. We insure against risk of direct physical loss to prop- erty property described in Coverages A, B A and C. B. 2. We do not insure, however, for loss: A. Under Coverages A, B and C: 1. a. Excluded under Section I – — Exclusions; 2. b. Involving collapse, except as provided in c. Caused by: a. (1) Freezing of a plumbing, heating, air condi- tioning conditioning or automatic fire protective sprinkler system or of a household applianceap- pliance, or by discharge, leakage or overflow from within the system or appliance ap- pliance caused by freez- ingfreezing. This provision provi- sion does not apply if you have used reasonable care to: (1a) Maintain heat in the building; or (2b) Shut off the water supply and drain all systems and appliances of water. b. (2) Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a: (1a) Fence, pavement, patio or swimming swim- ming pool; (2b) Footing, foundation, bulkhead, wall, or any other structure or device, de- vice that sup- ports supports all or part of a building building, or other structure; (3c) Retaining wall or bulkhead that does not support all or part of a building or other structure; or (4d) Pier, wharf or dock; c. (3) Theft in or to a dwelling under constructioncon- struction, or of materials and supplies for use in the construction until the dwelling is finished and occupied; d. (4) Vandalism and malicious mischief, and any ensuing loss caused by any inten- tional and wrongful act committed in the course of the vandalism or mali- cious mischief, if the dwelling has been vacant for more than 60 consecutive days immediately before the loss. A dwelling being constructed is not con- sidered vacant; (5) Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus fun- xxx or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental discharge or overflow of water or steam from within: (1a) A plumbing, heating, air conditioning condition- ing or automatic fire protective sprinkler sys- temsystem, or a household appliance, on the "“residence premises"prem- ises”; or (2b) A storm drain, or water, steam or sewer pipes, off the "“residence premises"”. e. (6) Any of the following: (1a) Wear and tear, marring, deteriorationdeteriora- tion; (2b) Mechanical breakdown, latent defectde- fect, inherent vice, or any quality in property that causes it to damage or destroy it- selfitself; (3c) Smog, rust or other corrosion, or dry rot; (4d) Smoke from agricultural smudging or industrial operations; (5e) Discharge, dispersal, seepage, migra- tionmi- gration, release or escape of pollutants un- less unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured Against in a. through o. as listed in E.10. Landlord's Furnishings named under Section I – Property Coverages. Coverage C. Pollutants means any solid, liquid, gaseous or thermal irritant or contami- nantcon- taminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals chemi- cals and waste. Waste includes materials to be recycled, reconditioned recondi- tioned or reclaimed; (6f) Settling, shrinking, bulging or expansionex- pansion, including resultant crackingcrack- ing, of bulk- headsbulkheads, pavements, patiosxxx- ios, footings, foundations, walls, floors, roofs or ceil- ingsceilings; (7g) Birds, vermin, rodents, or insects; or (8) h) Animals owned or kept by an "insured". Exception To 2.e“in- sured”. (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water and water below the surface of the ground do not apply to loss by water covered under d. and e. above.

PERILS INSURED AGAINST. We insure against risk of direct physical loss to prop- erty described in Coverages A, B and C. We do not insure, however, for loss: A. Under Coverages A, B and C: 1. Excluded under Section I – Exclusions; 2. Caused by: a. Freezing of a plumbing, heating, air condi- tioning 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 freez- ing. This provision does not apply if you have used reasonable care to: (1) Maintain heat in the building; or (2) Shut off the water supply and drain all systems and appliances of water. b. Freezing, thawing, pressure or weight of water water, snow or ice, whether driven by wind or not, to a: (1) Fence, pavement, patio or swimming pool; (2) Footing, foundation, bulkhead, wall, or any other structure or device, that sup- ports all or part of a building or other structure; (3) Retaining wall or bulkhead that does not support all or part of a building or other structure; or (4) 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. MoldOr consisting of mold, fungus “fungi” or wet rot. However, we do insure for loss caused by mold, fungus “fungi” or wet rot that is hidden within the walls or ceilings or beneath the floors or above the ceilings of a structure if such loss results from the accidental discharge or overflow of water “water” or steam from within: (1) A plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem, or a household appliance, on the "residence premises"; or (2) A storm drain, or “water”, steam or sewer pipes, off the "residence premisesprem- ises". e. Any of the following: (1) Wear and tear, marring, deterioration; (2) Mechanical breakdown, latent defect, inherent vice, or any quality in property that causes it to damage or destroy it- self; (3) Smog, rust or other corrosion, or dry rot; (4) Smoke from agricultural smudging or industrial operations; (5) Discharge, dispersal, seepage, migra- tion, release or escape of pollutants un- less or “contaminants” unless the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured In- sured Against in a. through o. as listed in E.10. Landlord's Furnishings under Section I – Property Coverages. Pollutants means any solid, liquid, gaseous or thermal irritant or contami- nant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed; (6) Settling, shrinking, bulging or expansionexpan- sion, including resultant cracking, of bulk- headsbulkheads, pavements, patios, footings, foundations, walls, floors, roofs or ceil- ings; (7) Birds, vermin, rodents, or insects; or (8) Animals owned or kept by an "insured". Exception To 2.e. (i) Storm drain, or “water”, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence residence premises", but only when neces- sary necessary to repair the system or applianceappli- ance. However, such tear out and replace- ment re- placement coverage only applies to other structures if the water “water” or steam causes actual damage to a building on the "residence premises". Section I Exclusion A.3. Water “Water” Damage, Paragraphs a. and c. that apply to surface water “water” and water “water” below the surface of the ground do not apply to loss by water “water” covered under d. and e. above.

PERILS INSURED AGAINST. We insure against risk of direct physical loss to prop- erty described in Coverages A, B and C. We do not insure, however, for loss: A. Under Coverages A, B and C: 1. Excluded under Section I – Exclusions; 2. Caused by: a. Freezing of a plumbing, heating, air condi- tioning 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 freez- ing. This provision does not apply if you have used reasonable care to: (1) Maintain heat in the building; or (2) Shut off the water supply and drain all systems 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) Footing, foundation, bulkhead, wall, or any other structure or device, that sup- ports all or part of a building or other structure; (3) Retaining wall or bulkhead that does not support all or part of a building or other structure; or (4) 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. Mold, fungus or wet rot. However, we do insure for loss caused by mold, fungus or wet rot that is hidden within the walls or ceilings ceil- ings or beneath the floors or above the ceilings ceil- ings of a structure if such loss results from the accidental discharge or overflow of water wa- ter or steam from within: (1) A plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem, or a household appliance, on the "residence premises"; or (2) A storm drain, or water, steam or sewer pipes, off the "residence premises". e. Any of the following: (1) Wear and tear, marring, deterioration; (2) Mechanical breakdown, latent defect, inherent vice, or any quality in property that causes it to damage or destroy it- self; (3) Smog, rust or other corrosion, or dry rot; (4) Smoke from agricultural smudging or industrial operations; (5) Discharge, dispersal, seepage, migra- tion, release or escape of pollutants un- less the discharge, dispersal, seepage, migration, release or escape is itself caused by a Peril Insured Against in a. through o. as listed in E.10. Landlord's Furnishings under Section I – Property Coverages. Pollutants means any solid, liquid, gaseous gas- eous or thermal irritant or contami- nantcontaminant, including smoke, vapor, soot, fumes, acidsac- ids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned re- conditioned or reclaimed; (6) Settling, shrinking, bulging or expansion, including resultant cracking, of bulk- heads, pavements, patios, footings, foundations, walls, floors, roofs or ceil- ings; (7) Birds, vermin, rodents, or insects; or (8) Animals owned or kept by an "insured". Exception To 2.e. (i) Storm drain, or water, steam or sewer pipe, off the "residence premises"; or (ii) Plumbing, heating, air conditioning or automatic fire protective sprinkler sys- tem or household appliance on the "residence res- idence premises". This includes the cost to tear out and replace any part of a building, or other structure, on the "resi- dence premises", but only when neces- sary to repair the system or appliance. However, such tear out and replace- ment coverage only applies to other structures if the water or steam causes actual damage to a building on the "residence res- idence premises". Section I Exclusion A.3. Water Damage, Paragraphs a. and c. that apply to surface water wa- ter and water below the surface of the ground do not apply to loss by water covered under d. and e. above.