Tenant's Improvements. If you are a tenant, we pay for loss by perils insured against to improvements on the insured premises made or acquired at your expense. These are permanent fixtures, alterations, decorations, and additions. You may apply up to 10 percent of the Coverage C limit to cover tenant's improvements. PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D PERILS INSURED AGAINST -- COVERAGES A, B, C, AND D We insure against direct physical loss caused by the following perils, unless the loss is excluded under the General Exclusions:
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