Your personal property stored within your enclosed unit and locked vehicle(s) stored outdoors behind a locked fence at the leased premises against the following:
1. The following are Covered Causes of Loss. Covered Causes of Loss means direct physical loss or damage to property covered.
A. Fire; lightning; windstorm; hail; tornado; hurricane; explosion; sonic boom; smoke; aircraft; self-propelled missiles; spacecraft; vehicles; riot; strike; civil commotion; vandalism and malicious mischief; sink-
hole collapse; volcanic eruption; earthquake; certified act of terrorism.
B. Falling objects, provided the building is first damaged by such falling objects; weight of ice, snow, or sleet; collapse of buildings or any part thereof.
C. Water Damage: The term “Water Damage” means accidental discharge or leakage of water or steam as the direct result of the breaking or cracking of any part of a system or appliance containing water or steam.
D. Rodent Damage.
2. The following are additional coverages. These Additional Coverages do not increase The Applicable Limit of Coverage:
A. BURGLARY: The term “Burglary” means the act of stealing insured property by forcible entry into the securely locked leased premises provided there are visible marks of such forcible entry upon the exterior of the leased premises. The mere absence of a lock or padlock does not constitute visible marks of forcible entry. You or the facility owner must immediately report loss under this coverage to the appropriate law enforcement authority. Theft
or unexplained disappearance is not covered unless caused by “Burglary”.
B. DEBRIS REMOVAL: The most that will be paid under this additional coverage is 25% of the amount the insurance company pays for the direct physical loss or damage to Covered Property including the deductible (if applicable) to cover the necessary expense incurred in the removal of debris of the property following a Covered Cause of Loss.
C. TRANSIT: Direct physical loss or damage to Covered Property while your Covered Property is in transit to or from the storage space leased by you and within 100 miles of this scheduled premises leased by you which is caused by or resulting from the following: fire; collision; upset or overturn of a motor vehicle or trailer upon which it is being transported.
D. EXTRA RENTAL EXPENSE: The most that will be paid under this addition all coverage is 25% of the Limit of Insurance to cover the extra expense you may incur for rental of substitute premises when occupancy of the original premises is prevented as a result of damage to such premises by a Covered
Cause of Loss.
