Tenants Legal Liability. Legal liability for unintentional property damage caused directly to premises or their contents which you are using, renting or have in your custody or control. You are not insured: a. For liability you have assumed by contract unless your legal liability would have applied even if no contract had been in force. You are not insured for claims made against you from: b. Wear and tear or deterioration; c. Dampness or dryness of atmosphere, condensation, extremes of temperature, exposure to light, contamination, change in colour, rust, corrosion, mould, dry or wet rot; d. Loss or damage to tools, bicycles or sporting equipment where the loss or damage is due to their use; e. Loss or damage to electrical devices or appliances caused by electrical currents other than lightning, unless fire ensues, and then only for the resulting damage; f. Loss or damage to watercraft, motorized vehicles or aircraft; g. Loss or damage caused by animals, birds or fish; h. Loss or damage to real or personal property while undergoing any process or while actually being worked upon, but resulting damage to other property is insured; i. Any event, unless sudden and accidental; j. Loss or damage occurring after your dwelling or unit has, to your knowledge, been vacant for more than 30 consecutive days. We do not insure: k. Loss or damage caused by water unless the loss or damage resulted from: 1) the sudden and accidental discharge or overflow of water from public water mains carrying drinking water; 2) the sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water bed, swimming pool or equipment attached; 3) freezing of any part of a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water bed, swimming pool or equipment attached, which is located inside an insured building heated during the usual heating season; 4) water which enters through an opening which has been created suddenly and accidentally by an insured peril.
Appears in 11 contracts
Samples: Homeowners Insurance Policy, Condominium Unit Owners Insurance Agreement, Tenants Insurance Agreement
Tenants Legal Liability. Legal liability for unintentional property damage caused directly to premises or their contents which you are using, renting or have in your custody or control. You are not insured:
a. For liability you have assumed by contract unless your legal liability would have applied even if no contract had been in force. You are not insured for claims made against you from:
b. Wear and tear or deterioration;
c. Dampness or dryness of atmosphere, condensation, extremes of temperature, exposure to light, contamination, change in colour, rust, corrosion, mould, dry or wet rot;
d. Loss or damage to tools, bicycles or sporting equipment where the loss or damage is due to their use;
e. Loss or damage to electrical devices or appliances caused by electrical currents other than lightning, unless fire ensues, and then only for the resulting damage;
f. Loss or damage to watercraft, motorized vehicles or aircraft;
g. Loss or damage caused by animals, birds or fish;
h. Loss or damage to real or personal property while undergoing any process or while actually being worked upon, but resulting damage to other property is insured;
i. Any event, unless sudden and accidental;
j. Loss or damage occurring after your dwelling or unit has, to your knowledge, been vacant for more than 30 consecutive days. We do not insure:
k. Loss or damage caused by water unless the loss or damage resulted fromresultedfrom:
1) the sudden and accidental discharge or overflow of water from public water mains carrying drinking water;
2) the sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water bed, swimming pool or equipment attached;
3) freezing of any part of a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water bed, swimming pool or equipment attached, which is located inside an insured building heated during the usual heating season;
4) water which enters through an opening which has been created suddenly and accidentally by an insured peril. “Plumbing system” means water supply, distribution and disposal piping on the premises, including appliances and equipment attached thereto, between their connection points to a public or private system.
a) to public water mains carrying drinking water or public sewers;
b) to a system or appliance from which the water escaped;
c) caused by the backing up or escape of water from a sewer, sump, septic tank, eavestrough or downspout;
d) caused by flood, surface water, spray, waves, tides, tidal waves, waterborne objects or ice, all whether driven by wind or not;
e) occurring while the building is under construction or vacant, even if we have given permission for construction or vacancy.
l. Mysterious disappearance;`
m. Loss or damage caused directly or indirectly, proximately or remotely, arising in consequence of or contributed to by the enforcement of any bylaw, regulation, ordinance or law regulating zoning or the demolition, repair or construction of buildings or structures, which by-law, regulation, or law makes it impossible to repair or reinstate the property as it was immediately prior to the loss.
n. Marring, scratching of any property or breakage of any fragile or brittle articles, such as glasses, glassware, marble, porcelain and china, unless caused by fire, explosion, smoke or waterdamage;
o. Damage to trees, plants, shrubs and lawns permanently in the open on your premises, unless caused by fire or explosion;
p. Damage to trees, plants and shrubs which are usually inside a dwelling and to animals, birds or fish, unless caused by fire, explosion, smoke or water damage.
Appears in 1 contract
Samples: Tenants Insurance Policy
Tenants Legal Liability. Legal liability for unintentional property damage caused directly to premises or their contents which w hich you are using, renting or have in your custody or control. You are not insured:
a. For liability you have assumed by contract unless your legal liability would w ould have applied even if no contract had been in force. You are not insured for claims made against you from:
b. Wear and tear or deterioration;
c. Dampness or dryness of atmosphere, condensation, extremes of temperature, exposure to light, contamination, change in colour, rust, corrosion, mould, dry or wet w et rot;
d. Loss or damage to tools, bicycles or sporting equipment where w here the loss or damage is due to their use;
e. Loss or damage to electrical devices or appliances caused by electrical currents other than lightning, unless fire ensues, and then only for the resulting damage;
f. Loss or damage to watercraftw atercraft, motorized vehicles or aircraft;
g. Loss or damage caused by animals, birds or fish;
h. Loss or damage to real or personal property while w xxxx undergoing any process or while w xxxx actually being worked w orked upon, but resulting damage to other property is insured;
i. Any event, unless sudden and accidental;
j. Loss or damage occurring after your dwelling xx xxxxxx or unit has, to your knowledgeknow ledge, been vacant for more than 30 consecutive days. We do not insure:
k. Loss or damage caused by water w ater unless the loss or damage resulted fromresultedfrom:
1) the sudden and accidental discharge or overflow of water from public water w ater frompublic w ater mains carrying drinking waterw ater;
2) the sudden and accidental discharge or overflow of water w ater or steam from within w ithin a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water w ater bed, swimming xx xxxxxx pool or equipment attached;
3) freezing of any part of a plumbing, heating, sprinkler or air conditioning system, domestic appliance, aquarium, water w ater bed, swimming xx xxxxxx pool or equipment attached, which w hich is located inside an insured building heated during the usual heating season;
4) water which w ater w hich enters through an opening which w hich has been created suddenly and accidentally by an insured peril. “Plumbing system” means w ater supply, distribution and disposal piping on the premises, including appliances and equipment attached thereto, betw een their connection points to a public or private system.
a) to public w ater mains carrying drinking w ater or public sew ers;
b) to a system or appliance from w hich the w ater escaped;
c) caused by the backing up or escape of w ater from a sew er, sump, septic tank, eavestrough or dow nspout;
d) caused by flood, surface w ater, spray, w aves, tides, tidal w aves, w aterborne objects or ice, all w hether driven by w ind or not;
e) occurring w xxxx the building is under construction or vacant, even if we have given per mission for construction or vacancy.
l. Mysterious disappearance;`
m. Loss or damage caused directly or indirectly, proximately or remotely, aris ing in consequence of or contributed to by the enf orcement of any bylaw , regulation, ordina nce or law regulating zoning or the demolition, repair or construction of buildings or structures, w hich by-law , regulation, or law makes it impossible to repair or reinstate the prop erty as it w as immediately prior to the loss.
n. Marring, scratching of any property or breakage of any fragile or brittle articles, such as glasses, glassw are, marble, porcelain and china, unless caused by fire, explosion, smoke or w aterdamage;
o. Damage to trees, plants, shrubs and law ns permanently in the open on your premises, unless caused by fire or explosion;
p. Damage to trees, plants and shrubs w hich are usually inside a xx xxxxxx and to animals, birds or fish, unless caused by fire, explosion, smoke or w ater damage.
Appears in 1 contract
Samples: Tenants Insurance Policy
