General Dwelling Protector policy - SGI Canada

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(2) For losses due to Comprehensive Perils (excluding the ListedPerils) we will pay up to these amounts:a) $2,500 in all for jewellery, watches and gems.b) $2,500 in all for furs, fur garments and garments trimmed with fur.c) $1,500 in all for manuscripts, stamps and philatelic property (suchas stamp collections).d) $300 in all for numismatic property (such as coin collections).e) $5,000 in all for silverware, silver-plated ware, goldware, goldplatedware, and pewterware.f) $1,000 for each bicycle, tricycle, unicycle, or electric assistedbicycle (up to 500 watts and not exceeding 32 km/h), includingaccessories and attached equipment.g) $500 in all for audio cassettes, compact discs and digital videodiscs while in or on motor vehicles, watercraft or aircraft.E. Property And Causes Of Loss We Do Not CoverWe do not cover the following:a) buildings, outbuildings, structures, belongings and any other propertywhen designed, used, or intended for use in whole or in part for:(i) business or farming purposes, but we do give permission to usepersonal computers and related office equipment for farmingpurposes; or(ii) storage, housing or upkeep of agricultural products, supplies,livestock or animals other than household pets, except as providedunder “Property with Specific Amounts of Protection”. Incidentaloffice use is permitted.b) property illegally acquired, used, kept, or imported.c) books of account, evidence of debt or title, and documents or otherevidence to establish ownership or the right or claim to a benefit orthing.d) property lawfully seized or confiscated. But, we will cover suchproperty if it is destroyed to prevent the spread of fire.e) motorized vehicles, trailers and aircraft. This includes such things ascars, trucks, skidsteers, motorcycles, snowmobiles, all terrainvehicles, dirt bikes, go-carts, dune buggies, hang gliders, ultralightsor other similar aircraft of any name. Nor do we cover any parts,furnishings or equipment of those things. For example; CB’s, stereoequipment, tires or antennae. However, we cover motorizedwheelchairs, lawnmowers, snowblowers, garden equipment, golfcarts and electric assisted bicycles (up to 500 watts and notexceeding 32 km/h).An unlicensed boat trailer kept at your premises and spareautomobile parts and accessories are special cases. These areshown in “Property with Specific Amounts of Protection”.f) losses or increased costs of repair due to the operation of any bylaw,ordinance or law regulating the zoning, demolition, repair, orconstruction of buildings and their related services.g) the cost of making good any faulty design, material or workmanship.h) loss or damage caused by settling, expansion, contraction, moving,shifting, bulging, buckling or cracking unless fire or explosion follows,then we will pay for the resulting damage. For Cover Code B or CoverCode C, we will cover damage to building glass.i) property undergoing any process, including cleaning or being workedon, where the damage results from such process. Resulting damageto other property caused by an insured peril is covered.j) loss or damage caused by snowslide, earthquake, landslide or anyearth movement. If any of those results in fire or explosion, we willpay for the resulting loss or damage.k) loss or damage to property on exhibit or display, or any time yourproperty is being held for sale by others.13
l) loss or damage not due to a sudden, unexpected event.m) loss or damage caused by a nuclear incident as defined in the NuclearLiability Act. Nor do we cover nuclear explosion or contamination byradioactive material.n) loss or damage caused by war, invasion, act of a foreign enemy,declared or undeclared hostilities, civil war, rebellion, revolution,insurrection, or military power.o) loss or damage caused by criminal or wilful acts done by you or byany person whose property is insured under this <strong>policy</strong>, including actsdone for you by someone else.p) loss or damage caused by acts you deliberately did or acts you failedto do.q) dwellings, outbuildings or belongings contained therein that havebeen placarded or condemned by any authority.r) loss or damage to dwellings, outbuildings or belongings containedtherein, while being moved, while being raised or lowered onto itsfoundation.s) mobile homest) loss or damage resulting from a change in ownership of property thatis agreed to, even if that change was brought about by trickery orfraud.u) loss or damage resulting from contamination or pollution or therelease, discharge or dispersal of contaminants or pollutants.v) loss or damage caused directly or indirectly, in whole or in part, byterrorism or by any activity or decision of a government agency orother entity to prevent, respond to or terminate terrorism regardless ofany other cause or event that contributes concurrently or in anysequence to the loss or damage, but you are still insured for ensuingloss or damage which results directly from fire or explosion.w) i) loss or damage to data; or,ii) loss or damage caused directly or indirectly by a data problem.However, if loss or damage caused by a data problem results inthe occurrence of further loss of or damage to property insuredthat is directly caused by fire, explosion, smoke or water damage,all as described under “Fire and Extended Coverage”, thisexclusion shall not apply to such resulting loss or damage.x) i) loss or damage caused directly or indirectly, in whole or in part,by any fungi or spores.ii) the cost or expense for any testing, monitoring, evaluating orassessing of fungi or spores.Fungi means, but is not limited to, any form or type of mould, yeast,mushroom or mildew whether or not allergenic, pathogenic ortoxigenic, and any substance, vapour or gas produced by, emittedfrom or arising out of any fungi or spore(s) or resultant mycotoxins,allergens, or pathogens.Spore(s) means, but is not limited to, any reproductive particle ormicroscopic fragment produced by, emitted from or arising out of anyfungi.y) loss or damage caused directly or indirectly by any illegal orunauthorized activity related to and including the growing, harvesting,manufacturing, processing, storing, sale or distribution of any drug ornarcotic or the possession of any substances or item of any kindwhich constitutes a criminal offence, to any dwellings, outbuildings orbelongings contained therein whether or not you have knowledge ofor are able or unable to control such illegal activity. This includes anyalteration of the premises to facilitate such illegal activity.14
Page 4 and 5: Your Insurance PolicyYour General D
Page 6 and 7: — golf carts kept year round at a
Page 8 and 9: due to actual or threatened damage
Page 10 and 11: We do not cover loss or damage to y
Page 12 and 13: Listed Peril below, theft, or attem
Page 14 and 15: We will only pay up to the total am
Page 18 and 19: z) loss or damage to any outdoor ho
Page 20 and 21: “Residence Employee” means a pe
Page 22 and 23: Added Features of Your Part 2 —Pe
Page 24 and 25: icycles and motorized vehicles used
Page 26 and 27: General Conditions for Part 21) The
Page 28 and 29: (4) The refund may be made by money
Page 30 and 31: PRIVACY: Our CommitmentThank you fo

General Dwelling Protector policy - SGI Canada

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