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21 REASONS WHY TO PURCHASE DELUXE (ALL-RISK) CONTENTS COVERAGELewis Chester standard (named peril) contents coverage is one of the broadest in the industry; however, deluxe coverage affords greater protection against loss. The following are covered by deluxe and not standard. 1) MYSTERIOUS DISAPPEARANCE- Jewelry, furs, silver,gold and guns that are lost or misplaced (up to special limits). 2) EARTHQUAKE- Deluxe contents affords earthquake coverage automatically for contents. 3) BRODER WATER DAMAGE- Damage to contents is covered if rain or hail enters through open window or door. 4) BROADER WIND DAMAGE"- Losses due to wind entering an open window or door are covered. 5) "CHILD-RELATED DAMAGE"- Children running, wrestling or playing in a house can damage TV sets, stereos, furniture, ect. 6) CIGARETTE BURNS- severe scorching and scarring related to cigarettes and cigarette ash. 7) LOSS BY REPAIR- Jewerly, watches, and furs are covered while being refinished, repaired or renovated. 8) POWER OUTAGE- Food spoiled and related loss are covered when power fails (other than brown out or black out.) 9) BREAKAGE TO "NON-FRAGILE" ITEMS- Jewerly, watches, bronzes,cameras and photographic lenses. * Example: Drop a camera and it breaks. * Example: Mishandle a watch and step on it. 10) DAMAGE BY GUEST- * Example: While you're entertaining, a guest accidentally tips over a stereo/VCR system ruining it. 11) ENSUING LOSS CAUSED BY PETS- Related water or wind damage. * Example: Pet dog tears through screen door during rain/wind storm and loss ensures. 12) ENSUING LOSS AFTER POWER INTERRUPTION- Any physical loss that follows power failure. 13) SPECIAL WORDING FOR GROUND/SURFACE WATER- Although ground and surface water is excluded, it does cover such incident for content away from a residence you own. * Example: Rent a beach house for the weekend and tidal waves rise damaging contents. 14) DAMAGE BY SPILLED BEVERAGE/LIQUID- * Example: College student spilling coffee on personal computer and keyboard, forcing replacement. 15) UNEXPECTED INCIDENTS- * Example: Infant wetting an antique sofa. * Example: Stray football thrown inside breaking a TV picture tube. 16) PERSONAL PROPERTY IMPROPERLY STORED- * Example: Numerous suits from dry cleaners in vehicle that goes through car wash with back window open. * Example: Furniture is garage damaged by rain when door not closed. 17) INTERNAL FALLING OBJECTS- Objects that fall within the home. * Example: Crystal chandelier coming loose and crashing onto dinning room table, destroying it. 18) DAMAGE BY HOT OBJECT- * Example: Hot plate from the kitchen can shatter a glass table. 19) MOTORIZED VEHICLE FOR USE ON PROPERTY- * Example: Drivable lawn mower can crash into a tree after losing control, forcing replacement. 20) SPECIAL WORDING FOR TEMPERATURE/DAMPNESS LOSS- A loss due to dampness/temperature is covered if the direct cause of loss id rain, snow, or sleet or hail. 21) ACCIDENTS- Many unforeseen accidents are covered. * Example: Spilling liquid shoe polish on an antique chair or Persian rug.
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