Exclusions to our coverage

  • Government seizure or destruction of property
  • War and nuclear hazards
  • Gradual deterioration such as fading, creasing or denting
  • Nesting, infestation or discharge or release of waste products or secretions by insects, rodents or other animals
  • Dampness or dryness of atmosphere
  • Changes in or extremes of temperature other than fire
  • Fraudulent, dishonest or criminal acts
  • Voluntary parting with covered property
  • Loss or damage while being worked on by you or others working on your behalf
  • Mysterious disappearance

This is not a complete list of exclusions and exclusions can vary by policy.