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