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Definitions

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Horizontales
A tank or pond in which surface, ground or storm water runoff is held temporarily before being released gradually into the drainage system
Includes but is not limited to any form or type of mould, yeast, mushroom or mildew whether or not allergenic, pathogenic or toxigenic, and any substance, vapour or gas produced by, emitted from or arising out of any fungi or spores or resultant mycotoxins, allergens or pathogens
A permanent structure or building on the premises separated from the dwelling building by a clear space or only connected to the dwelling building by a fence, utility line or similar connection
Damage to or destruction of property
A building originally designed for agricultural purposes or for animal husbandry, whether or not ever used for such purpose
A card or other medium storing electronic cash and used as a method of payment, which at the time of the purchase transaction does not require any personal identification number (PIN), signature or authorization
Person related to the person named on the Coverage Summary page while living in the same household
Student who is dependent upon the insured or his or her spouse, provided that the dwelling building described on the coverage summary page serves as the named insured's principal residence
Collision or upset of a vehicle or a trailer, derailment of a train, crashing of a plane or stranding or sinking of a boat or watercraft
Any continuous or regular pursuit undertaken for remuneration including a trade, profession or occupation
Information (including facts, concepts or execute statements) electronically represented in any form whatsoever
Verticales
An accumulation of similar objects, rarely used for their intended purpose, which are gathered for reasons which include, but are not limited to, novelty, personal interest, rarity or value
Includes, but is not limited to fish tanks, water beds, heating, air conditioning or fire extinguishing systems, swimming pools, spas, hot tubs, whirlpool tubs and saunas, fountains and other basins
The amount of rent you would have received, less any expenses that do not continue because of the occurrence
Water supply, distribution and drainage piping on the premises, including appliances and equipment attached thereto
Payment, in cash or in kind, made to a person for work done or services rendered
A trailer without a load space that is used to carry only equipment or machinery which is permanently installed on it
An ideologically motivated unlawful act or acts, including but not limited to the use of violence or force or threat of violence or force, committed by or on behalf of any group(s), organization(s) or government(s) for the purpose of influencing any government and/or instilling fear in the public or a section of the public
Located within the lot lines of the dwelling described on the Coverage Summary page, or those used as a residence by students insured under this policy
An event causing loss or damage; all loss or damage having the same origin will be considered as one event
In addition to the usual definition, this also includes pedal boats, rafts and sailboards
Any solid, liquid, gaseous or thermal irritant or contaminant, including fuel oil, vapour, soot, chemicals, pesticides, herbicides, waste, and smoke from agricultural smudging or industrial operations
A person who is married to or has entered into a civil union with another person and is living with that person, or one who is not married but has entered into a marital relationship in the same household for at least 1 year
Includes waves, tides, tidal waves, tsunamis, seiches, dam breaks and the rising or overflow of any stream of water or body of water, whether natural or man-made
Circumstances where, regardless of the presence of furnishings, all occupants have moved out with no intention to return to reside in the dwelling. A newly constructed dwelling is also considered this after it is completed and before the occupants move in
A person enrolled in and actually attends a school, college or university on a full-time basis
Includes but is not limited to any reproductive particle or microscopic fragment produced by, emitted from or arising out of any fungi