Exclusions:

1. Accounts, bills, currency, deeds, evidences of debt, securities, money notes, precious metals, stamps, jewelry, watches, semiprecious/precious stones, furs or garments trimmed with fur, works of art or antiques, collectibles, animals, liquids, medicines, food, plants or firearms;
2. Valuable papers and records, including those as which exist as electronic data and photographs.
3. Against loss or damage caused by or resulting from vermin
4. Valuable papers and records, including those which exist as electronic data and photographs;
5. Motorized Vehicles of any type whether licensed for road use or not;
6. Against loss or damage due to shortage disclosed on taking inventory or unexplained or mysterious disappearance;
7. Against loss or damage caused by improper packing, normal shifting in transit or while being moved by the insured, or intentional acts
8. Against loss or damage caused by or resulting fire or explosion.
9. Against loss or damage caused by or resulting from theft or burglary
10. Against loss or damage, caused by or resulting from wear and tear, gradual deterioration, inherent vice, latent defect, mildew, wet or dry rot, atmospheric conditions or changes in temperature, breakage of glass or similar fragile articles, spoilage, delay, loss of use or market;
11. Against loss or damage caused by or resulting from, contributed to or aggravated by:
    1. Flood, surface water, tides, tidal water or tidal waves, overflow of any body of water, or their spray, all whether driven by wind or not.
    2. Water that backs up from a sewer or drain;
    3. Water under the ground surface pressing on or flowing, seeping or leaking through foundations, walls, basements, floors or paved surfaces or through doors, windows or other such openings;
    4. Mudslide or mudflow;
12. Against loss or damage caused directly or indirectly by any weapon employing atomic fission or fusion, or by nuclear reaction or radiation or radioactive contamination from any other cause; however, subject to the foregoing and all provisions of this policy, direct loss by fire is insured against by this policy;
13. Against loss or damage caused directly or indirectly by;
    1. War, including undeclared or civil war;
    2. Warlike actions by a military force, including action in hindering or defending against an actual or expected attack by any government, sovereign or other authority using military personnel or other agents;
    3. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these;
    4. Seizure or destruction of property by order of governmental authority;
14. Against loss or damage to any property not lawfully in the possession of the Insured or his representative, or contraband.