Special Provisions

Loss or Damage to stereo disks (including CDs, Video CDs, DVD, MP3 and Video Games), records, software, albums, cassette tapes (including video tapes) is limited to $1,000 for any one loss.Coverage for jewelry, watches, rings and other items consisting of gold, silver or platinum or furs is limited to 20% of the policy amount (i.e. $2,000 policy allows $400 total jewelry coverage) for any one loss.Coverage for bicycles is limited to $500.

Insured property in a personally-owned automobile is covered, provided that the vehicle was locked at the time of theft and there was visible signs of forced entry into the vehicle.

Property Not Covered

+ Automobiles, motorcycles, boats, motors, aircraft or aircraft parts or any other type of motorized land vehicles or other conveyances or their accessories (including car stereos, GPS devices, etc.).
+ Transportation tickets or other tickets.
+ Salesmen’s samples.
+ Merchandise for sale or exhibit.
+ Money in currency or coin, evidences of debt, letters of credit, passport documents, notes, securities.
+ Animals.
+ Contact lenses.
+ Artificial teeth or limbs.
+ Keys & forms of identification (including student ID’s, driver’s license, etc.)
+ Firearms or ammunition.
+ Pharmaceuticals – prescription or over-the-counter.
+ Artwork – professional or amateur.
+ Antiques and collectibles.