房主保險通常不包括什麼？
房主保險通常不包括什麼？
 This is a list of some of the general exclusions in a homeowners policy: 1. Freezing, Discharge, Leakage or Overflow - Unoccupied Residence: We do not pay for damage if the dwelling is vacant, unoccupied (including temporary absence) or under construction, unless the insured takes reasonable care to: a. maintain heat in the building; or b. shut off the water supply and completely empty liquids from any plumbing, heating or air-conditioning system, water heater or domestic appliance. If any insured fails to do this, we do not pay for loss caused by freezing or the resulting discharge, leakage, or overflow from the system, water heater or domestic appliance. 2. Freezing, Thawing, Pressure or Weight of Ice or Water: We do not pay for damage to structures (other than buildings or carports) such as pools, fences, retaining walls, septic tanks, piers, wharves, foundations, patios, and paved areas caused by freezing, thawing, or pressure or weight of ice or water, whether wind driven or not. 3. Theft: We do not pay for theft or attempted theft from the insured premises while the dwelling is: a. under construction and unoccupied; or b. vacant for more than 60 consecutive days immediately before the loss. Theft does not include acceptance of counterfeit money, fraudulent post office or express money orders, or acceptance of checks or promissory notes which are not paid upon presentation. We do not pay for theft or attempted theft committed by an insured or tenant. 4. Vandalism or Malicious Mischief or Glass Breakage: We do not pay for loss caused by vandalism, malicious mischief or breakage of glass or other glazing materials while the dwelling is vacant for more than 60 consecutive days immediately before the loss. A dwelling under construction is not considered vacant. We do not pay for loss caused by vandalism, malicious mischief or glass breakage committed by a tenant. We do not pay for loss caused by vandalism or malicious mischief committed by an insured. We do not pay for loss caused by glass breakage committed by an insured while the dwelling is vacant for more than 60 consecutive days immediately before the loss. 5. Seepage or Leakage: We do not pay for loss caused by repeated or continuous seepage or leakage of liquids or steam from within a plumbing, heating or air-conditioning system, water heater, or domestic appliance. We do pay for loss caused by the accidental leakage, overflow, or discharge of liquids or steam from a plumbing, heating, or airconditioning system or domestic appliance. We also pay the reasonable cost of removing and replacing those parts of the dwelling or related private structure necessary to make repairs. We do not pay for loss to the system or domestic appliance from which the liquid or steam escapes. 6. Settling, Cracking, Shrinking, Bulging, or Expanding: We do not pay for loss caused by the settling, cracking, shrinking, bulging or expanding of a dwelling or other structure (or any part of them), or pavements or patios. 7. Vermin, Rodents, Insects or Domestic Animals: We do not pay for loss caused by vermin, rodents, insects or domestic animals. 8. Smoke: We do not pay for damage caused by smoke from agricultural smudging or industrial operations. We do pay for direct loss by fire, explosion, or smoke (not otherwise excluded) which results from any of the above. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
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