MUA Executive Policy - Van Flymen & Associates

Section 2 : House ContentsSPECIFIC DEFINITIONS FOR THIS SECTION1. Business equipment: Any computers, laptops,software, printers, scanners, fax machines,photocopiers, typewriters, telecommunicationequipment and furniture that you own or for whichyou are legally liable, and which is kept at the insuredaddress stated in your schedule.2. Contents: The contents of the buildings at theinsured address stated in your schedule includinga. household goods and equipment, furnishings,business equipment, refrigerated, frozen andother food and drink, and domestic heating oilb. personal belongingsc. outdoor and garden itemsd. remote-controlled power-driven toys ande.modelsmoneyf. which you own or for which you are legallyliable,but excludingi. tenants’ improvements, fitted furniture, fittedappliances, fixtures and fittingsii. motor vehicles, motorcycles and watercraftexcept remote-controlled power-driven toysand modelsiii. aircraft including remote-controlled power-driven toy and model aircraftiv. caravans and trailersv. pets, bloodstock, livestock, insects.3. Forcible and violent entry: This describes a person’suse of force (which might be minimal) to enter yourproperty. It makes the person’s attempt to entermore obvious (e.g. broken window or door). If onetakes into account all the circumstances, the actioncan be considered as violent. Violence or threats ofviolence to persons to gain entry are regarded asforcible and violent entry.4. Jewellery and watches: This includes items whichpeople wear or use to decorate themselves or theirclothes. They are made of gold, silver, platinum orother precious metals and set with precious or semipreciousstones.5. Money: Your personal money including your cash,Kruger Rands, cheques, traveller’s cheques, postalorders, money orders, travel and other tickets, giftvouchers and current postage stamps.6. Outdoor and garden items: Items that are meant tobe left or used outdoors, including garden furniture,patio furniture, flower containers and urns, children’splay equipment, garden statues and ornaments,equipment for keeping your garden in good order,lawnmowers with motors and garden equipmentdriven by power (electricity or fuel).7. Pests: Rats, mice, wasps’ nests, hornets’ nests andbees and other animal infestation.8. Specified valuable items: Individual items, andcollections and sets which are valuable from an artisticand/or historical point of view, or are unique, rare,of good quality and in good condition (such as, butnot limited to, fine arts, antique furniture or jewellery,furs, collectable items and wine collections) whichbelong to you or for which you are liable. They havea value that cannot be insured at replacement cost,but the insurer will insure them at a value that youand the insurer agree to. In this policy, your specifiedvaluable items will each be listed under the Contentssection of the policy and insured for the value onwhich your and the insurer agree. You accept thisagreed value as the true value of the item.9. Unoccupied: At the time of the loss of or damage tocontents, the home, although furnished, had not beenlived in for more than 60 consecutive days, or, if notsufficiently furnished for normal living purposes, formore than 30 consecutive days.20 MUA Executive Policy