1. The perils that are covered are one included in DP-1 with the ECE and optional VMM endorsement attached, plus: damage
by burglars; falling objects; weight of snow, ice, and sleet; accidental discharge
or overfl ow of water or steam; sudden and accidental tearing apart, cracking,
burning or bulging of a steam or hot water heating system, or an air conditioning
or automatic fi re protective sprinkler system, or an appliance for heating water;
freezing of a plumbing, heating, air conditioning, or automatic fi re protective
sprinkler system, or of a household appliance; and sudden and accidental damage
from artifi cially generated electrical current.
2. The burglary damage peril includes damage to the covered property caused by
the burglars, but not theft of property. The vehicle peril does not include loss to
a fence, driveway, or walk caused by a vehicle owned or operated by the insured.
The smoke peril does not include loss caused by smoke from agricultural
smudging or industrial operations.
3. dwelling and other structures- Replacement Cost,
4. contents ACV