Theft 

Loss or damage to insured property caused by a third party acting with malicious intent, including theft or robbery involving the use of force.

Fire

Loss or damage to insured property caused by fire, conflagration, burning, smoldering, explosion, or detonation.

Natural hazards

Loss or damage to insured property caused by natural perils such as rain, snow, hail, storms, floods, wildfires, or lightning.

Electrical Hazard

Loss or damage to insured property caused by high voltage, abnormal or excessive electrical fluctuations, damage or malfunction of switchboards, fuses, distributors, or insulators, or the indirect effects of electric current.

Plumbing risks

Loss or damage to insured property resulting from damage to plumbing systems and connected fixtures, freezing, mechanical failure, or abnormal or excessive water pressure.

A negligent or deliberate act of a third party

Loss or damage to insured property caused by errors or actions, whether intentional or unintentional, of a third party.