I. Covered Risks and Exclusions under Home and Contents Insurance

The Insured is insured for loss or damage to his/her Home and Contents caused during the Insurance Coverage Period directly by any of the following insured events

(I) Fire or Explosion, but not loss or damage to any item caused by scorching, melting, or charring without flames;

(II) Storm (including cylclone or hurricane) and/or rain, which may be accompanied by snow, sleet or hail, but not loss or damage caused by:

(a) mildew, mould and other microorganisms ;

(b) atmospheric or climatic conditions other than storm;

(c) water entering the property through an opening made for the purpose of alterations, additions, renovations and repair;

(d) water seeping into the Home through a wall, ceiling, roof or floor;

(III) Lightning or thunderbolt, but not loss or damage caused by fluctuations in the power supply, unless there is evidence that the damage was caused by a direct lightning strike;

(IV) Earthquake, provided:

(a) all destruction or damage occurring within a period of 48 hours of the earthquake is regarded as the one insured event;

(b) the amount of the due indemnity shall be reduced with 3% of the sum insured of the Home and/or Contents;

(V) Flood (inundation of normally dry land by water from any watercourse, lake, canal, dam or reservoir), provided the amount of the due indemnity shall be reduced with 3% of the sum insured of the Home and/or Contents;

(VI) Theft of electronic appliances by forcible and violent means, but not more than Euro 1000 for one occurrence and in aggregate for one Insurance Coverage Period;

(VII) Malicious acts, but not loss or damage intentionally caused by the Insured, a member of the Insured's family, a direct or lateral relative of the Insured, a tenant of, or visitors of a tenant of, the Home, but not more than Euro 5000 for one occurrence and in aggregate for one Insurance Coverage Period;

(VIII) Bursting or leaking of fixed pipes used to hold or carry liquid of any kind, but not loss or damage which occurs gradually over time, provided the Insurer shall not pay:

(a) for repair or replacement of the apparatus, tank or pipe itself;

(b) provided the amount of the due indemnity shall be reduced with 100 euro .

(IX) Impact by:

(a) a vehicle, an aircraft or a waterborne craft;

(b) space debris or debris from an aircraft, rocket or satellite;

(c) an animal;

(d) a falling tree or part of a tree;

(e) a mast or a television or radio aerial that has broken or collapsed;

but not loss or damage caused by:

(a) an animal kept in the Home;

(b) rodents, vermin, or moth.