MIP Property Covered/Not Covered

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COVERAGES

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This insurance applies to the described location, coverages for which a Limit of Liability is shown and Perils Insured Against for which a premium is stated.

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COVERAGE A – Dwelling

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1. Property Covered
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We cover

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1. The 1-4 family dwelling on the described location shown in the Declarations, used 
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          principally for dwelling purposes, including structures attached to the dwelling;

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• Materials and supplies located on or next to the described location used to construct, 
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          alter or repair the dwelling or other structures on the described location; and

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• If not otherwise covered in this Certificate, building equipment and outdoor equipment
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          used for the service of and located on the described location.

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• Property Not Covered
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• Personal property of any kind.
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• Outdoor trees, shrubs, plants and lawns.
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• Outdoor swimming pools; fences, piers, wharves and docks; beach or diving platforms or appurtenances; retaining walls not constituting a part of buildings; walks, roadway; and other paved surfaces.
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• Cost of excavations, grading or filling.
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• Foundations of buildings, machinery, boilers or engines which foundations are below the surface of the ground.
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• Pilings, piers, pipes, flues and drains which are underground.
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MIP Perils Insured Against & Loss Not Covered

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Full Section

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PERILS INSURED AGAINST

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COVERAGE A – DWELLING and

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COVERAGE B – OTHER STRUCTURES

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We insure against risk of direct loss to property described in Coverages A and B only if that loss is a physical loss to property; however, we do not insure loss:

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1. Excluded under General Exclusions;
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2. Involving collapse, other than as provided in Other Coverages 5;
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3. Caused by:
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4. Freezing, thawing, pressure or weight of water or ice, whether driven by wind or not, to a
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5. Fence, pavement, patio or swimming pool;
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6. Footing, foundation, bulkhead, wall, or any other structure or device that supports all or part of a building or other structure;
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7. Retaining wall or bulkhead that does not support all or part of a building or other structure; or
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8. Pier, wharf or dock;
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9. Theft of property not part of a covered residential property or structure;
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10. Theft in or to a dwelling or structure under construction;
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11. Wind, hail, ice, snow or sleet to:
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12. Outdoor radio and television antennas and aerials including their lead-in wiring, masts or towers; or
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13. Trees, shrubs, plants or lawns;
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14. Constant or repeated seepage or leakage of water or steam over a period of  weeks, months or years from within a plumbing, heating, air conditioning or automatic fire protective sprinkler system or from within a household appliance;
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For purposes of this provision, a plumbing system or household appliance does not include a sump, sump pump or related equipment or a roof drain, gutter, downspout or similar fixtures or equipment;

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• Any of the following:
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• Wear and tear, marring, deterioration;
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• Inherent vice, latent defect, mechanical breakdown;
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• Smog, rust or other corrosion, fungi, mold, wet or dry rot.
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Fungi means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by-products produced or released by fungi;

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• Smoke from agricultural smudging or industrial operations;
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• Discharge, dispersal, seepage, migration release or escape of pollutants.
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Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed;

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• Settling, shrinking, bulging or expansion, including resultant cracking, of pavements, patios, foundations, walls, floors, roofs or ceilings; or
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• Birds, vermin, rodents, insects or domestic animals.
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If any of these cause water damage not otherwise excluded, from a plumbing, heating, air conditioning or automatic fire protective sprinkler system or household appliance, we cover loss caused by the water including the cost of tearing out and replacing any part of a residential property necessary to repair the system or appliance.  We do not cover loss to the system or appliance from which this water escaped.

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For the purposes of this provision, a plumbing system or household appliance does not include a sump, sump pump or related equipment or roof drain, gutter, downspout or similar fixtures or equipment.

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General Exclusion 1.c.  Water Damage, Paragraphs (1) and (3) that apply to surface water and water below the surface of ground do not apply to loss by water covered under 3.f.above.

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Under items 1. and 2., any ensuing loss to property described in Coverages A and B not excluded or excepted in this Certificate is covered.

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