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SPECIAL PROPERTY COVERAGE FORM
<br />e. Land (including land on which the property
<br />is located), water, growing crops or lawns;
<br />f. Outdoor fences, radio or television antennas
<br />(including satellite dishes), including their
<br />lead in wiring, masts or towers, signs (other
<br />than signs attached to buildings), trees,
<br />shrubs or plants (other then those held for
<br />sale or sold but not delivered), except as any
<br />of these may be provided in the:
<br />(1) Outdoor Property Coverage Extension;
<br />or
<br />(2) Outdoor Signs Optional Coverage;
<br />g. Watercraft (including motors, equipment
<br />and accessories) while afloat;
<br />h. The cost to research, replace or restore the
<br />information on "valuable papers and
<br />records", except as may be provided in any
<br />Coverage Extensions or Optional Coverages.
<br />i. "Data" and "software" which exists on
<br />electronic "media" including the cost to
<br />research, replace or restore them, except
<br />as may be provided for in any Additional
<br />Coverages or Optional Coverages.
<br />j. Accounts, bills, food stamps, other evidences
<br />of debt, accounts receivable or "valuable
<br />papers and records"; except as otherwise
<br />provided for in this policy.
<br />3. Covered Causes of Loss
<br />RISKS OF DIRECT PHYSICAL LOSS unless
<br />the loss is:
<br />a. Excluded in Section B., EXCLUSIONS; or
<br />b. Limited in Paragraph A.4. Limitations; that
<br />follow.
<br />4. Limitations
<br />a. We will not pay for direct loss of or damage
<br />to:
<br />(1) Property that is missing, where the
<br />only evidence of the direct physical
<br />loss or physical damage is a shortage
<br />disclosed on taking inventory, or other
<br />instances where there is no physical
<br />evidence to show what happened to
<br />the property. This limitation does not
<br />apply to the Additional Coverage for
<br />"Money" and "Securities".
<br />(2) Property that has been transferred to a
<br />person or to a place outside the
<br />"scheduled premises" on the basis of
<br />unauthorized instructions.
<br />(3) The interior of any building or structure
<br />caused by or resulting from rain, snow,
<br />sleet, ice, sand or dust, whether driven
<br />by wind or not, unless:
<br />(a) The building or structure first
<br />sustains physical damage by a
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<br />Covered Cause of Loss to its roof
<br />or walls through which the rain,
<br />snow, sleet, ice, sand or dust
<br />enters; or
<br />(b) The direct physical loss or physical
<br />damage is caused by or results
<br />from thawing of snow, sleet, or ice
<br />on the building or structure.
<br />b. Pets and animals are covered only if:
<br />(1) They are inside the building; and
<br />(2) They are owned by others and
<br />boarded by you, or owned by you and
<br />held for sale or sold but not delivered.
<br />And then we will pay only if they are killed,
<br />stolen, or their destruction is made
<br />necessary by a "specified cause of loss".
<br />c. For direct physical loss or physical
<br />damage by "theft", the following types of
<br />property are covered only up to the limits
<br />shown:
<br />(1) $2,500 for furs, fur garments and
<br />garments trimmed with fur;
<br />(2) $5,000 for jewelry, watches, watch
<br />movements, jewels, pearls, precious
<br />and semi-precious stones, bullion,
<br />gold, silver, platinum and other
<br />precious alloys or metals. This limit
<br />does not apply to jewelry and watches
<br />worth $500 or less per item;
<br />(3) $2,500 for patterns, dies, molds and
<br />forms; and
<br />(4) $500 for stamps, lottery tickets held for
<br />sale and letters of credit.
<br />d. Unless specifically provided under a separate
<br />endorsement and with a specific Limit of
<br />Insurance indicated in the Declarations, we
<br />will not pay for direct physical loss of or
<br />physical damage to "perishable stock"
<br />caused by or resulting from:
<br />(1) A change in temperature or humidity
<br />resulting from:
<br />(a) Mechanical breakdown or failure of:
<br />(i) Stationary heating plants; or
<br />(ii) Refrigerating, cooling, or
<br />humidity control apparatus or
<br />equipment;
<br />(b) Artificially generated electric
<br />current, including electric arcing,
<br />that disturbs electrical devices,
<br />appliances or wires; or
<br />(c) Complete or partial failure of
<br />electric power on your "scheduled
<br />premises"
<br />Msian
<br />(2) Contamination
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<br />Jy, \ i REVIEWED & APPROVED BY.-
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<br />--� Rusk Pjanagement Analpt
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