Common use of Under Personal Property Protection Clause in Contracts

Under Personal Property Protection. Coverage C of this policy, we do not cover any loss consisting of or caused by one or more of the following excluded events, perils or conditions. Such loss is excluded regardless of whether the excluded event, peril or condition involves isolated or widespread damage, arises from natural, man-made or other forces, or arises as a result of any combination of these forces. 1. The failure by any insured person to take all reasonable steps to save and preserve property when the property is endangered by a cause of loss we cover. 2. Any substantial change or increase in hazard, if changed or increased by any means within the control or knowledge of an insured person. 3. Intentional or criminal acts of or at the direction of any insured person, if the loss that occurs: a) may be reasonably expected to result from such acts; or b) is the intended result of such acts. This exclusion applies regardless of whether the insured person is actually charged with, or convicted of, a crime. 4. Planning, Construction or Maintenance, meaning faulty, inadequate or defective: a) planning, zoning, development, surveying, siting; b) design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; c) materials used in repair, construction, renovation or remodeling; or d) maintenance; of property whether on or off the residence premises by any person or organization.