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1、propertyinsuranceclauses wholedoc. i.thepropertyinsured thepropertyinsuredshallrefertoallpropertiesand expenses spe-cifiedinthescheduleofthispolicy. unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorass
2、essors,thefollowingarticlesandtheexpenses relevant thereto shall not becoveredunderthispolicy: 1.gold,silver,pearls,diamonds,preciousstonesandjades; 2.antiques,articlesofvirtue, ancient coins, ancient books andancientpaintings; 3.worksofartorpostagestamps; 4.advertisements,aerials,neon
3、,piecesofsolarenergyapparatusetc.onbuildings; 5.computersystemrecordsoritsmakingandcopyingcosts. undernocircumstancesshallthefollowingarticles relevant theretobecoveredhereunder: 1.guns,ammunitionorexplosives; 2.banknotes,securities,bills,documents,files, account books ordrawings; 3.
4、animals,plantsandagriculturalcrops; 4.mobilephones,portablecomputers,removable photograph apparatusorotherpreciousarticles; 5.vehicleslicensedforgeneraltransportuse. ii.scopeofcover thecompanyshallindemnifytheinsuredin respect of the physicallossofordamagetotheinsuredpropertyst
5、atedin the schedule duringtheperiodofinsurancedirectlyarisingfromthefollowingperils: 1.fire; 2.explosion; butnotincludingexplosionof a boiler or other pressure reliefdevices; 3.lightning; 4.hurricane,typhoonandtornado; 5.storm,tempestandflood; butnotincludinglossordamagecaused by
6、 change in normal waterlevelorinundationfromseawaterorwaterescape or leakage from thenormalconfinesofanynaturalwatercourse,lakeorreservoir, canal ordamaswellaslossofordamagetotheinsuredpropertycausedby storm,tempestorfloodwhilebeingstoredintheopenorcoveredbyor under ashedthatchedwithreeds,tarp
7、aulins, straw, asphalt felt, plastic ornylonsheet; 6.hailstorm; 7.landslide,rockslide,avalanche; 8.volcanicexplosion; 9.subsidenceofground; but not including loss or damage resulting from pile driving,groundworkorexcavation;