Agent, Rural Mutual Insurance Co., Union Grove, WI
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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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.