1. Personal property owned or used by any insured is covered while it is anywhere in the world. When
personal property is usually located at an insured’s residence, other than the residence premises,
coverage is limited to 10% of the Coverage C limit. Personal property in a newly acquired principal
residence is not subject to this limitation for the 30 days immediately after you begin to move the
property there.
6. “Insured location” means:
a. the residence premises;
b. that part of any other premises, other structures and grounds, used by you as a residence and
which is shown in the Declarations. This includes any premises, structures and grounds which
are acquired by you during the policy period for your use as a residence;
c. any premises used by you in connection with the premises included in a. or b.;
d. any part of a premises not owned by any insured but where any insured is temporarily residing;
e. vacant land owned by or rented to any insured other than farmland;
f. land owned by or rented to any insured on which a one, two, three or four family dwelling is being
constructed as a residence for any insured;
g. individual or family cemetery plots or burial vaults of any insured; or
h. any part of a premises occasionally rented to any insured for other than business purposes.
14. “Residence premises” means:
a. the one or two family dwelling, other structures and grounds; or
b. that part of any other building;
where you reside and which is shown in the Declarations.
Hypothetically, if your car is broken into on the street in front of your apartment ? Is that residence premises or would that be considered offsite ?
personal property is usually located at an insured’s residence, other than the residence premises,
coverage is limited to 10% of the Coverage C limit. Personal property in a newly acquired principal
residence is not subject to this limitation for the 30 days immediately after you begin to move the
property there.
6. “Insured location” means:
a. the residence premises;
b. that part of any other premises, other structures and grounds, used by you as a residence and
which is shown in the Declarations. This includes any premises, structures and grounds which
are acquired by you during the policy period for your use as a residence;
c. any premises used by you in connection with the premises included in a. or b.;
d. any part of a premises not owned by any insured but where any insured is temporarily residing;
e. vacant land owned by or rented to any insured other than farmland;
f. land owned by or rented to any insured on which a one, two, three or four family dwelling is being
constructed as a residence for any insured;
g. individual or family cemetery plots or burial vaults of any insured; or
h. any part of a premises occasionally rented to any insured for other than business purposes.
14. “Residence premises” means:
a. the one or two family dwelling, other structures and grounds; or
b. that part of any other building;
where you reside and which is shown in the Declarations.
Hypothetically, if your car is broken into on the street in front of your apartment ? Is that residence premises or would that be considered offsite ?