General Dwelling Protector policy - SGI Canada

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z) loss or damage to any outdoor hot water heating unit(s) on thepremises, including the structure or enclosure housing the unit(s),and all contents of the same structure if caused by or resulting fromthe use of the heating unit.aa) wind turbine systems including all related equipment and structuresmanufactured for a rated power generation exceeding 1 kwF. General Conditions For Part 1The following general conditions apply to Part 1 of this Policy:11) We will not cover people who were holding, storing, or transportingyour property for a fee at the time of loss.12) After we pay for your claim, we may find that someone else is legallyresponsible for your loss. We have the right to get our payment backfrom that person. If we ask, you must co-operate with us in any legalaction we take at our expense and through our lawyers. You mayrelease another person from their legal responsibility to you for lossor damage to your property. But, you must tell us, the agreementmust be in writing, and you must make the agreement before any lossor damage takes place.13) Any payment for a loss will not lower your total amount of protectionfor the rest of the policy term.14) The Statutory Conditions apply to Part 1 of this policy.15) When you have other insurance on property covered by Part 1 of thispolicy, we will pay only our share of the loss. We will do this even ifyour other insurance covers different perils than this policy. Our sharewill be in the same proportion that the amount of our protection bearsto the total amount of all your fire protection.16) You must tell us when your dwelling becomes vacant. Vacant meansthat no one lives in the dwelling and the belongings have beenremoved from it. We also mean dwellings that are unoccupied evenif the belongings are still in place. We feel these dwellings are vacanttoo.If you do not tell us within 30 days of your dwelling becoming vacantor unoccupied, we will not cover any loss or damage that happensafter 30 consecutive days of vacancy.Vacant dwellings are covered only if Cover Code AE is shown onyour Cover Page.Any permission for vacancy that we allow in this condition does notchange any coverage restriction due to vacancy, mentioned in otherparts of this policy.117) If your loss was due to a crime, you must report the loss to the policeor other authorities at once. This includes such crimes as theft,burglary, and vandalism.18) You must take all reasonable steps to protect your property.19) If Cover Code C applies to a loss and it is more restrictive than CoverCode A or Cover Code B shown in this booklet, we will adjust yourclaim using the Cover Code most beneficial to you.10) If we adopt any revision which would broaden coverage under yourpolicy without any additional premium during the policy period, thebroadened coverage will immediately apply to your policy.Deferred Loss Settlement ClauseYour Cover Page will show if this clause applies to your policy and whichdwelling(s) it applies to.1. The amount we will pay if your dwelling is damaged or destroyed byfire or lightning will be limited to 50% of the amount this policy wouldnormally have paid had this clause not been in force.15
2. You have 9 months from the date of loss to show us that you spent atleast 100% of the amount this policy would normally have paid hadthis clause not been in force to repair or rebuild the dwelling on itsoriginal site. If you do this, we will pay the balance owing on the lossplus interest.a) The balance owing is the amount this policy would normally havepaid less the amount paid from #1 above.b) The interest is 5% per year and is calculated on the amountdetermined in a). We will only pay the interest calculated from 60days after all Proofs of Loss have been completed until the finalpayment is made.3. If you decide not to repair or rebuild the dwelling on its original site, wewill only pay the amount set out in #1 above.If you send us a written request, we will refund any over-payment ofpremiums based on the original Amount of Protection less the cost foran Amount of Protection equal to the payment received.4. If you have any other coverage on this dwelling, we will only pay ourshare of any loss. This is based on the amount determined abovecompared to the total of all coverages.Wreckage Value ClauseYour Cover Page will show if this clause applies to your policy and towhich dwelling(s) it applies.If you do not repair or replace your dwelling on the same site withintwelve months from the date of loss, we will only pay for the “wreckagevalue”. The “wreckage value” is the market value of the used materials inyour dwelling immediately prior to the loss.Part 2 — Personal Liability (Does not applywhen issued as part of an Agro Pak Policy)Definitions Applicable to Part 2“Bodily Injury” means bodily injury, sickness or disease or resultingdeath.“Business” means a trade, profession, or occupation undertaken for thepurpose of financial gain.“Jet Propulsion Personal Watercraft” means any motorized seavehicle, jet ski, or other motorized water device designed as a selfpropelledunit used on water. They can be designed to carry the operatoronly or to carry the operator and one or more passengers. Where we usethe term “personal watercraft unit”, it means a “jet propulsion personalwatercraft” as defined herein.“Occurrence” means an accident, including continuous or repeatedexposure to conditions which results in “bodily injury” or “propertydamage” neither expected nor intended.“Premises” in this Part has the same meaning as in Part 1. It alsoincludes the following:— a place you live in for a short time, but that you do not own. Forexample, a hotel or motel room.— your own or your family’s burial site in Canada.— a non-business location in Canada which you become owner of ortake possession of during the policy term. You will be covered for upto 30 days after your take ownership or possession.“Property Damage” means physical damage to, or destruction oftangible property, including the loss of use of this property.16
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 16 and 17: (2) For losses due to Comprehensive
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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