[英文租房合同范本]财产保险合同范本(英文)

　　property insurance clauses

　　whole doc.

　　i. the property insured

　　the property insured shall refer to all properties and  expenses  spe-

　　cified in the schedule of this policy.

　　unless specifically agreed upon in writing between the insured and the

　　company and appraised and value-established by professionals or assessors,

　　the following articles and the expenses  relevant  thereto  shall  not  be

　　covered under this policy:

　　1. gold, silver, pearls, diamonds, precious stones and jades;

　　2. antiques, articles of virtue,  ancient  coins,  ancient  books  and

　　ancient paintings;

　　3. works of art or postage stamps;

　　4. advertisements, aerials, neon, pieces of solar energy apparatus

　　etc. on buildings;

　　5. computer system records or its making and copying costs.

　　under no circumstances shall the following articles  relevant  thereto

　　be covered hereunder:

　　1. guns, ammunition or explosives;

　　2. banknotes, securities, bills, documents, files,  account  books  or

　　drawings;

　　3. animals, plants and agricultural crops;

　　4. mobile phones, portable computers, removable  photograph  apparatus

　　or other precious articles;

　　5. vehicles licensed for general transport use.

　　ii. scope of cover

　　the company shall indemnify the insured in  respect  of  the  physical

　　loss of or damage to the insured property stated in  the  schedule  during

　　the period of insurance directly arising from the following perils:

　　1. fire;

　　2. explosion;

　　but not including explosion of  a  boiler  or  other  pressure  relief

　　devices;

　　3. lightning;

　　4. hurricane, typhoon and tornado;

　　5. storm, tempest and flood;

　　but not including loss or damage caused  by  change  in  normal  water

　　level or inundation from sea water or water escape  or  leakage  from  the

　　normal confines of any natural water course, lake or reservoir,  canal  or

　　dam as well as loss of or damage to the insured property caused by  storm,

　　tempest or flood while being stored in the open or covered by or  under  a

　　shed thatched with reeds, tarpaulins,  straw,  asphalt  felt,  plastic  or

　　nylon sheet;

　　6. hailstorm;

　　7. landslide, rockslide, avalanche;

　　8. volcanic explosion;

　　9. subsidence of ground;

　　but  not  including  loss  or  damage  resulting  from  pile  driving,

　　groundwork or excavation;