Home, Condo & Renters
Property Not Covered
- Articles separately described and specifically insured in this or other insurance.
- Animals, birds or fish.
- Motor vehicles or all other motorized land conveyances. This includes:
- Their equipment and accessories, or
- Electronic apparatus that is designed to be operated solely by use of the power from the electrical system of motor vehicles or all other motorized land conveyances. Electronic apparatus includes (this exclusion applies only while the property is in or upon the vehicle or conveyance.):
- Accessories or antennas; or
- Tapes, wires, records, discs or other media; for use with any electronic apparatus.
- Aircraft and parts. Aircraft means any contrivance used or designed for flight, except model or hobby aircraft not used or designed to carry people or cargo.
- Property of roomers, boarders and other tenants, except property of roomers and boarders related to an insured.
- Property in an apartment regularly rented or held for rental to others by an insured, except building improvements of installations, made or acquired at your expense, landlord`s furnishings. The insurer will pay up to $2500 for your appliances, carpeting and other household furnishings, in an apartment on the premises regularly rented or held for rental to others.
- Property rented or held for rental to others off the premises.
- Business data, including such data stored in:
- Books of account, drawings or other paper records; or
- Electronic data processing tapes, wires, records, discs or other software media; however, the insurer does cover the cost of blank recording or storage media, and of prerecorded computer programs available on the retail market.
- Credit cards or fund transfer cards except the insurer will pay up to $500 for:
- The legal obligation of an insured to pay because of the theft or unauthorized use of credit cards issued to or registered in an insured`s name;
- Loss resulting from theft or unauthorized use of a fund transfer card used for deposit, withdrawal or transfer of funds, issued to or registered in an insured`s name;
- Loss to an insured caused by forgery or alteration of any check or negotiable instrument; and
- Loss to an insured through acceptance in good faith of counterfeit United States or Canadian paper currency.
- The insurer does not cover use of a credit card or fund transfer card:
- By a resident of your household;
- By a person who has been entrusted with either type of card; or
- If an insured has not complied with all terms and conditions under which the cards are issued.