SGI CANADA Policy Booklet - Your Easy Read Special Coverages

This coverage will apply to all property and locations shown on theCover Page.We will not pay for property owned by a fire department.There is no deductible for this coverage.Optional Landlord’s Coverage — Rental DwellingsIf your Cover Page shows that you have this coverage, we will pay up to$1,500 for damage to the insured dwelling caused by theft or attemptedtheft. You must pay the deductible shown on the Cover Page.Sewer BackupIf your Cover Page shows that you have this coverage, we will pay forloss or damage caused by backup, accidental discharge or escape oroverflow of water or sewage from a sewer, sump, septic tank oreavestrough or downspout connected to your sewer.We will not cover loss or damage caused by:a) backup, discharge or escape or overflow of water or sewage frompublic sewers or drains outside your dwelling;b) seepage or continuous or repeated leakage.We do not cover sewer backup to your dwelling or belongings while yourdwelling is vacant even if we have given permission for vacancyelsewhere in this policy.Part II — Perils InsuredPerils Insured — Cover Code AWhen Cover Code A is shown on your Cover Page, we cover directphysical loss or damage caused by the following 10 perils:1) Fire or Lightning.2) Explosion or Implosion.3) Smoke. By this we mean damage due to sudden and unusual failureof a heating or cooking unit in or on the premises. This could includethings such as a furnace, stove or fireplace.4) Falling Objects that hit the outside of an insured building or structure.5) Impact by Aircraft, Spacecraft or Land Vehicles.6) Riot.7) Vandalism or Malicious Acts. We do not cover loss or damage:— directly or indirectly caused by theft or attempted theft.— while your dwelling is under construction or vacant.— caused by you or anyone living in your household.— caused by any tenant, tenant’s guests, tenant’s employees, ormembers of their household.8) Water Escape and Rupture. If you, or your tenant with yourknowledge, are away from your premises for more than tenconsecutive days during the normal heating season, you must do oneof two things. You or your tenant must shut off the water supply anddrain all pipes, attached fixtures, and appliances, or have a reliableperson come in daily to check the heating. If you do not, we will notcover loss or damage caused by freezing, or resulting water damage.We do not cover loss or damage caused by freezing to any part of aplumbing, heating, fire sprinkler or air conditioning system orhousehold appliance not in a heated building, or any resulting waterdamage.We do not cover loss or damage to your dwelling or belongings ifyour dwelling has been vacant for more than 30 consecutive days orwhile it is under construction.7