Preview
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
CI2020-15008 Index # : EF2020-0162
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
New York Central Mutual Fire LIndex #: EF2020-0162
CI2020-15008
1899 Central Plaza East, Edmeston NY 13335-1899
I N S U RAN C E 800-234-6926 www.nycm.com
Coverage Information for Location 1 of 1
Location Address Information
Street 25 SPERRY LN County Code 109
LANSING County Name TOMPKINS
City
State NY Sub County 9
Zip 14882-8875
Location Details
Construction Type FRAME Doublewide N
Year Built 2015 # of Apartments 0
# of Families 1 FAMILY # Unitsbetween FireWalls
Lead Abatement Protection Class S - PROTECTED
Town/Row House N FireDistrict LANSING TFD
Secondary NO Feet to Hydrant 500
Territory 382 Miles to FireDepartment 03
Premium Group
Coverage Information ....
.....
Basic Form NYC HO 7- PREMlER PROTECTION POLICY
inflationProtection Coverage 1.30%
ADJUSTEDUNDERXACTWAREAPPRAISALSYSTEM
Deductible $500
Seasonal PolicyNumber
Coverage Details
COVERAGE DESCRIPTION UMrr AMOUNT PREMlUM
Coverage A DWELLING 417,000 $1,243.00
Coverage B OTHER STRUCTURES 83,400 INCL
Coverage C PERSONAL PROPERTY 291,900 INCL
Coverage D LOSS OF USE 125,100 INCL.
Coverage E PERSONAL LIABILITY PER OCCURRENCE 500,000 $26.00
Coverage F MEDICAL PAYMENTS TO OTHERS PER PERSON 1,000 INCL
Modifications and Credits Information
*** NO IIS LOCATION ***
MODIFICATIONS EXIST FOR T
Surcharge Information
*** NO FOR THIS LOCATION ***
SURCHARGES EXIST
TOTAL LOCATION PREMlUM $1,269.00
D7/18/201714:18:05 H2/R DANIELLE
INSURED: LAVIGNE POUCY:465526s Page3 of 4
- *INSUREDCOPY*
DECLARATIONS
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
Cl2020-15008 New YOrk Central Mutual Fire Irindex #: EF2020-0162
1 1 1899 Central Plaza East, Edmeston NY 13335-1899
IN S UR A N CE 800-234-6926 www.nycm.com
Mortgagee Information
NAME/ADDRESS STATUS LOANNUMBER ORDER
CFCU COMMUNITY CREDIT UNION ACTIVE 1
ISAOA
1030 CRAFT ROAD
ITHACA NY 14850
Detailed Form Information
NAME EDITION DETAILS PREMIUM
NYC HO 7 04 17 PREMlER PROTECTION POLICY $1,269.00
HO 24 93 05 02 WORKERS COMPENSATION CERTAIN RESIDENCE EMPLOYEES- NEW YORK INCL
IL N 160 09 08 FLOOD FORM INCL
NYC237 1106 INS SCORE NOTICE INCL
NYC 211 8/91 IMPORTANTSENIOR CITIZEN INFORMATION INCL
NYC HO 219 03 11 HOMEOWNER QUICK REFERENCE GUIDE INCL
NYCM PN 0511 PRIVACY POLICY (MANDATORY STUFFER) INCL.
07/18/2D1714:18:05 H2/R DANIELLE
INSURED: LAVlGNE POUCY:4655265 Page4 of 4
- *INSUREDCOPY*
DECLARATIONS
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
-- New York Central Mutual Fire L
o2ʲW2
CI2020 5 8 1899 Central Plaza East, Edmesto
IN SU R A N C E 800-234-6926 www.nycm.com
PREMlER PROTECTION POLICY
injury"
AGREEMENT 2. "Bodily means bodily harm, sickness or
disease, including required care, loss of services
We willprovide the insurance described in thispolicy in
and death that results.
retum for the premium and compliance with all
"Business"
applicable provisions of thispolicy. 3. means:
DEFINITIONS a. A trade, profession or occupation engaged in on
"you" "your" a full-time,part-time or occasional basis; or
A. In this policy, and refer to the "named
insured"
shown in theDeclarations and the spouse if b. Any other activity engaged in for money or other
"us"
a resident of the same household. 'We", and compensation, except the following:
"our"
refer to the Company providing this insurance.
(1) One or more activities, not described in (2)
"insured"
B. In addition, certain words and phrases are defined through (4) below, for which no
as follows: receives more than $2,000 in total
cornpensation for the 12 months before the
1. "Aircraft Liability","Hovercraft Liability", "Motor
Liability" beginning of the policy period;
Vehicle and 'Watercraft Liability",
subject to the provisions in b. below, mean the (2) Volunteer activities for which no money is
following: received other than payment for expenses
injury" incurred to perform the activity;
a. Liability for "bodily or "property
damage"
arising out of the: (3) Providing home day care services for which
no compensation is received, other than the
(1) Ownership of such vehicle or craft by an
mutual exchange of such services; or
"insured";
(4) The rendering of home day care services to
(2) Maintenance, occupancy, operation, use,
of such a relative of an 'insured .
loading or unloading vehicle or
"Employee"
craftby any person; 4. means an employee of an "insured", or
"insured"
an employee leased to an by a labor
(3) Entrustment of such vehicle or craft by an
"insured" leasing firm under an agreement between an
to any person; "insured"
and the labor leasing firm, whose duties
(4) Failure to supervise or negligent
are other than those performed by a "residence
supervision of any person involving such
employee".
vehicle or craft by an "insured"; or "Insured"
5. means:
(5) Vicarious whether
liability, or not Imposed
a. You and residents of your household who are:
by law, for the actions of a child or minor
involving such vehicle or craft. (1) Your relatives;or
b. For the purpose of thisdefinition: (2) Other persons under the age of 21 and In the
care of any person named above;
(1) Aircraft means any contrivance used or
designed for flightexcept model or hobby b. A student enrolled in school full-time, as defined
aircraft not used or designed to carry by the school, who was a resident of your
people or cargo; household before moving out to attend school,
provided the student is under the age of:
(2) Hovercraft means a self-propelled
motorized ground effect vehicle and (1) 24 and your relative;or
includes, but isnot limited to,flarecraft and
(2) 21 and in your care or the care of a person
air cushion vehicles; described in a.(1)above; or
(3) Watercraft means a craft principally
designed to be propelled on or in water by
wind, engine power or electric motor; and
vehicle"
(4) Motor vehicle means a "motor as
defined in 7.below.
FORM: NYC HO 7 EDITION: 04 17 Includes copyrighted material of Insurance Services POLICY: 4655265 Page 1
Office,Inc.,with itspermission.
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
Cl2020-15008 Index #: EF2020-0162
c. Under Section 11: b. Any trailer or semitrailer which is carried
being
on, towed by or hitched for towing by a vehicle
(1) With respect to animals or watercraft to
which described in a. above.
this policy applies, any person or
"Occurrence"
organization legally responsible for these 8. means an accident, including
animals or watercraft which are owned by continuous or repeated exposure to substantially the
you or any person described in 5.a. or b. same general harmful conditions, which results,
"Insured"
does not mean a person or during the policy period, in:
organization using or having custody of
a. "Bodily injury";
these animals or watercraft in the course
"business" b. "Property damage"; or
of any or without consent of the
owner; or c. "Personal injury".
vehicle" damage"
(2) With respect to a "motor to which 9. "Property means physical injury to,
thispolicy applies: destruction of, or loss of use of tangible property.
employee"
(a) Persons while engaged in your employ 10. "Residence means:
or that of any person described in 5.a.
a. An employee of an "insured", or an employee
or b.; or "insured"
teased to an by a labor leasing firm,
"insured"
(b) Other persons using the vehicle on an under an agreement between an and
location"
"insured with your consent. the labor leasing firm, whose duties are related to
the maintenance or use of the "residence
Under both Sections I and II,when the word an
premises", including household or domestic
immediately precedes the word "insured", the
"insured" services; or
words an together mean one or more
"insureds". b. One who performs similar duties elsewhere not
"business"
location" related to the of an "insured".
6. "Insured means:
employee"
The "residence
A "residence does not include a
a. premises";
temporary employee who is furnished to an
b. The part of other premises, other structures "insured"
to substitute for a permanent "residence
and grounds used by you as a residence; and employee" short-
on leave or to meet seasonal or
(1)Which is shown in the Declarations; or term workload conditions.
premises"
Which is acquired by you during the policy 11. "Residence means:
(2)
period for your use as a residence; where
a. The one-family dwelling you reside;
c. Any premises used by you in connection with
b. The two-family dwelling where you reside in at
a premises described ina. and b. above; of the or
least one family units;
d. Any part of a premises:
c. That part of any other building where you reside;
(1) Not owned by an "insured"; and premises"
and which is shown as the "residence in
"insured"
(2) Where an is temporarily residing; the Declarations.
premises"
e. Vacant land, other than farm land, owned by "Residence also includes other structures
or rented to an "insured"; and grounds at thatlocation.
"insured" injury"
f. Land owned by or rented to an on 12. "Personal means injury arising out of one or
which a one or two family dwelling is being more of the following offenses, but only if the
builtas a residence for an "insured"; offense was committed during the policy period:
g. Individual or family cemetery plots or burial a. False arrest, detention or imprisonment; or
vaults of an "insured"; or
b. Malicious prosecution; or
h. Any part of a premises occasionally rented to
"insured" "business" c. The wrongful eviction from, wrongful entry into,or
an for other than use.
invasion of the right of private occupancy of a
vehicle"
7. "Motor rneans: room, dwelling or premises that a person
occupies, committed by or on behalf of itsowner,
a. A self-propelled land or amphibious vehicle;
landlord or lessor; or
or
d. Oral or written publication of material that
slanders or libels a person or organization or
disparages a person's or organization's goods,
products or services; or
FORM: NYC HO 7 EDITION: 04 17 includes copyrighted material of Insurance Services POUCY: 4655265 Page 2
Office,Inc.,with itspermission.
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
Index #: EF2020-0162
C12020-15008
written publication of material that C. Coverage C - Personal
e. Oral or Property
violates a person's right of privacy.
1. Covered Property
DEDUCTIBLE We cover personal owned or used an
property by
"insured"
Unless otherwise noted in this policy, the following while itis anywhere inthe world. After a
deductible provision applies: loss and at your request, we willcover personal
property owned by:
Subject to the policy limitsthat apply, we willpay only
that part of the total of allloss payable under Section I a. Others while the property is on the part of the
premises"
that exceeds the deductible amount shown in the "residence occupied by an
Declarations. "insured"; or
b. A guest or a "residence employee", while the
SECTION I- PROPERTY COVERAGES
property is in any residence occupied by an
A. Coverage A - "insured".
Dwelling
1. We cover: 2. Limit For Property At Other Residences
premises"
a. The dwelling on the "residence Our limitof for
liability personal property usually
"insured's"
shown in the Declarations, including located at an residence, other than
structures attached to the dwelling; and the "residence premises", is 10% of the limit of
for
liability Coverage C, or $1,000, whichever is
b. Materials and supplies located on or next to
premises" greater. However, this limitationdoes not apply to
the "residence used to construct,
Personal property:
alter or repair the dwelling or other structures
premises"
on the "residence premises". a. Moved from the "residence
because it is being repaired, renovated or
2. We do not cover land, including land on which the
rebuilt and is not fitto livein or store property
dwelling islocated.
in;or
B. Coverage B- Other Structures
b. In a newly acquired principal residence for 30
1. We cover other structures on the "residence days from the time you begin to the
premises" move
set apart from the dwelling by clear
property there.
space. This includes structures connected to the
3. Special Limits Of Liability
dwelling by only a fence, utilityline, or similar
connection. The special limitfor each category shown below
is the total limit for each loss for allproperty in
2. We do not cover
that category. These special limits do not
a. Land, including land on which the other
increase the Coverage C limit
of liability.
structures are located;
a. $500 on money, bank notes, bullion, gold
b. Other structures rented or held for rental to
other than goldware, silver other than
any person not a tenant of the dwelling, unless
silverware, platinum other than platinumware,
used solely as a private garage;
coins, medals, scrip, stored value cards and
"business"
c. Other structures from which any is smart cards.
conducted; or
b. $5,000 on securities, accounts, deeds,
"business"
d. Other structures used to store evidences of debt, letters of credit, notes
property. However, we do cover a structure other than bank notes, manuscripts, personal
"business"
that contains property solely records, passports, tickets and stamps. This
"insured"
owned by an or a tenant of the dollar limit applies to these categories
"business"
dwelling, provided that property regardless of the medium (such as paper or
does not include gaseous or liquid fuel, other computer software) on which the material
than fuel in a permanently Installed fuel tank exists.
of a vehicle or craft parked or stored in the
This limit includes the cost to research,
structure.
replace or restore the information from the §
S. The limit of for
liability this coverage will not be lostor damaged material.
more than 20% of the limitof that
liability applies
c. $2,500 on watercraft of all types, including
to Coverage A. Use of this coverage does not their trailers, furnishings, equipment and
reduce the Coverage A limit
of liability. outboard engines or motors.
d. $2,500 on trailers or semitrailers not used
with watercraft of alltypes.
FORM: NYC HO 7 EDITION: 04 17 Includescopyrighted material of Insurance Services POLICY: 4655265 Page 3
Office,Inc.,with itspermission.
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162
NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020
C12020-15008 Index #: EF2020-0162
e. $5,500 forloss by theft,misplacing or losing of (b) Electronic apparatus and accessories
jewelry, watches, furs, precious and semi- designed to be operated solely by
precious stones. Limit of $2,000 per item. power from the electrical system of
f. $5,000 loss the "motor vehicle". Accessories
for by theft,misplacing or losing of
firearms and related include antennas, tapes, wires,
equipment.
records, discs or other media that can
g. $5,000 forloss by theft,misplacing or losing of
be used with any apparatus described
silverware, silver-plated ware, gold-
goldware, above.
plated ware, platinumware, platinum-plated
The exclusion of property described in (a)
ware and pewterware. This includes flatware,
and (b) above applies only while such
hollowware, tea sets, trays and trophies made
property is inor upon the "motor vehicle".
of or including silver,gold or pewter.
vehicles"
h. (2) We do cover "motor not required
$10,000 on property, on the "residence
"business" to be registered for use on public roads or
premises", used primarily for
property which are:
purposes.
"insured's"
(a) Used to service an
i. $1,000 on property, away from the "residence
"business"
Preview
FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 CI2020-15008 Index # : EF2020-0162 FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 New York Central Mutual Fire LIndex #: EF2020-0162 CI2020-15008 1899 Central Plaza East, Edmeston NY 13335-1899 I N S U RAN C E 800-234-6926 www.nycm.com Coverage Information for Location 1 of 1 Location Address Information Street 25 SPERRY LN County Code 109 LANSING County Name TOMPKINS City State NY Sub County 9 Zip 14882-8875 Location Details Construction Type FRAME Doublewide N Year Built 2015 # of Apartments 0 # of Families 1 FAMILY # Unitsbetween FireWalls Lead Abatement Protection Class S - PROTECTED Town/Row House N FireDistrict LANSING TFD Secondary NO Feet to Hydrant 500 Territory 382 Miles to FireDepartment 03 Premium Group Coverage Information .... ..... Basic Form NYC HO 7- PREMlER PROTECTION POLICY inflationProtection Coverage 1.30% ADJUSTEDUNDERXACTWAREAPPRAISALSYSTEM Deductible $500 Seasonal PolicyNumber Coverage Details COVERAGE DESCRIPTION UMrr AMOUNT PREMlUM Coverage A DWELLING 417,000 $1,243.00 Coverage B OTHER STRUCTURES 83,400 INCL Coverage C PERSONAL PROPERTY 291,900 INCL Coverage D LOSS OF USE 125,100 INCL. Coverage E PERSONAL LIABILITY PER OCCURRENCE 500,000 $26.00 Coverage F MEDICAL PAYMENTS TO OTHERS PER PERSON 1,000 INCL Modifications and Credits Information *** NO IIS LOCATION *** MODIFICATIONS EXIST FOR T Surcharge Information *** NO FOR THIS LOCATION *** SURCHARGES EXIST TOTAL LOCATION PREMlUM $1,269.00 D7/18/201714:18:05 H2/R DANIELLE INSURED: LAVIGNE POUCY:465526s Page3 of 4 - *INSUREDCOPY* DECLARATIONS FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 Cl2020-15008 New YOrk Central Mutual Fire Irindex #: EF2020-0162 1 1 1899 Central Plaza East, Edmeston NY 13335-1899 IN S UR A N CE 800-234-6926 www.nycm.com Mortgagee Information NAME/ADDRESS STATUS LOANNUMBER ORDER CFCU COMMUNITY CREDIT UNION ACTIVE 1 ISAOA 1030 CRAFT ROAD ITHACA NY 14850 Detailed Form Information NAME EDITION DETAILS PREMIUM NYC HO 7 04 17 PREMlER PROTECTION POLICY $1,269.00 HO 24 93 05 02 WORKERS COMPENSATION CERTAIN RESIDENCE EMPLOYEES- NEW YORK INCL IL N 160 09 08 FLOOD FORM INCL NYC237 1106 INS SCORE NOTICE INCL NYC 211 8/91 IMPORTANTSENIOR CITIZEN INFORMATION INCL NYC HO 219 03 11 HOMEOWNER QUICK REFERENCE GUIDE INCL NYCM PN 0511 PRIVACY POLICY (MANDATORY STUFFER) INCL. 07/18/2D1714:18:05 H2/R DANIELLE INSURED: LAVlGNE POUCY:4655265 Page4 of 4 - *INSUREDCOPY* DECLARATIONS FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 -- New York Central Mutual Fire L o2ʲW2 CI2020 5 8 1899 Central Plaza East, Edmesto IN SU R A N C E 800-234-6926 www.nycm.com PREMlER PROTECTION POLICY injury" AGREEMENT 2. "Bodily means bodily harm, sickness or disease, including required care, loss of services We willprovide the insurance described in thispolicy in and death that results. retum for the premium and compliance with all "Business" applicable provisions of thispolicy. 3. means: DEFINITIONS a. A trade, profession or occupation engaged in on "you" "your" a full-time,part-time or occasional basis; or A. In this policy, and refer to the "named insured" shown in theDeclarations and the spouse if b. Any other activity engaged in for money or other "us" a resident of the same household. 'We", and compensation, except the following: "our" refer to the Company providing this insurance. (1) One or more activities, not described in (2) "insured" B. In addition, certain words and phrases are defined through (4) below, for which no as follows: receives more than $2,000 in total cornpensation for the 12 months before the 1. "Aircraft Liability","Hovercraft Liability", "Motor Liability" beginning of the policy period; Vehicle and 'Watercraft Liability", subject to the provisions in b. below, mean the (2) Volunteer activities for which no money is following: received other than payment for expenses injury" incurred to perform the activity; a. Liability for "bodily or "property damage" arising out of the: (3) Providing home day care services for which no compensation is received, other than the (1) Ownership of such vehicle or craft by an mutual exchange of such services; or "insured"; (4) The rendering of home day care services to (2) Maintenance, occupancy, operation, use, of such a relative of an 'insured . loading or unloading vehicle or "Employee" craftby any person; 4. means an employee of an "insured", or "insured" an employee leased to an by a labor (3) Entrustment of such vehicle or craft by an "insured" leasing firm under an agreement between an to any person; "insured" and the labor leasing firm, whose duties (4) Failure to supervise or negligent are other than those performed by a "residence supervision of any person involving such employee". vehicle or craft by an "insured"; or "Insured" 5. means: (5) Vicarious whether liability, or not Imposed a. You and residents of your household who are: by law, for the actions of a child or minor involving such vehicle or craft. (1) Your relatives;or b. For the purpose of thisdefinition: (2) Other persons under the age of 21 and In the care of any person named above; (1) Aircraft means any contrivance used or designed for flightexcept model or hobby b. A student enrolled in school full-time, as defined aircraft not used or designed to carry by the school, who was a resident of your people or cargo; household before moving out to attend school, provided the student is under the age of: (2) Hovercraft means a self-propelled motorized ground effect vehicle and (1) 24 and your relative;or includes, but isnot limited to,flarecraft and (2) 21 and in your care or the care of a person air cushion vehicles; described in a.(1)above; or (3) Watercraft means a craft principally designed to be propelled on or in water by wind, engine power or electric motor; and vehicle" (4) Motor vehicle means a "motor as defined in 7.below. FORM: NYC HO 7 EDITION: 04 17 Includes copyrighted material of Insurance Services POLICY: 4655265 Page 1 Office,Inc.,with itspermission. FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 Cl2020-15008 Index #: EF2020-0162 c. Under Section 11: b. Any trailer or semitrailer which is carried being on, towed by or hitched for towing by a vehicle (1) With respect to animals or watercraft to which described in a. above. this policy applies, any person or "Occurrence" organization legally responsible for these 8. means an accident, including animals or watercraft which are owned by continuous or repeated exposure to substantially the you or any person described in 5.a. or b. same general harmful conditions, which results, "Insured" does not mean a person or during the policy period, in: organization using or having custody of a. "Bodily injury"; these animals or watercraft in the course "business" b. "Property damage"; or of any or without consent of the owner; or c. "Personal injury". vehicle" damage" (2) With respect to a "motor to which 9. "Property means physical injury to, thispolicy applies: destruction of, or loss of use of tangible property. employee" (a) Persons while engaged in your employ 10. "Residence means: or that of any person described in 5.a. a. An employee of an "insured", or an employee or b.; or "insured" teased to an by a labor leasing firm, "insured" (b) Other persons using the vehicle on an under an agreement between an and location" "insured with your consent. the labor leasing firm, whose duties are related to the maintenance or use of the "residence Under both Sections I and II,when the word an premises", including household or domestic immediately precedes the word "insured", the "insured" services; or words an together mean one or more "insureds". b. One who performs similar duties elsewhere not "business" location" related to the of an "insured". 6. "Insured means: employee" The "residence A "residence does not include a a. premises"; temporary employee who is furnished to an b. The part of other premises, other structures "insured" to substitute for a permanent "residence and grounds used by you as a residence; and employee" short- on leave or to meet seasonal or (1)Which is shown in the Declarations; or term workload conditions. premises" Which is acquired by you during the policy 11. "Residence means: (2) period for your use as a residence; where a. The one-family dwelling you reside; c. Any premises used by you in connection with b. The two-family dwelling where you reside in at a premises described ina. and b. above; of the or least one family units; d. Any part of a premises: c. That part of any other building where you reside; (1) Not owned by an "insured"; and premises" and which is shown as the "residence in "insured" (2) Where an is temporarily residing; the Declarations. premises" e. Vacant land, other than farm land, owned by "Residence also includes other structures or rented to an "insured"; and grounds at thatlocation. "insured" injury" f. Land owned by or rented to an on 12. "Personal means injury arising out of one or which a one or two family dwelling is being more of the following offenses, but only if the builtas a residence for an "insured"; offense was committed during the policy period: g. Individual or family cemetery plots or burial a. False arrest, detention or imprisonment; or vaults of an "insured"; or b. Malicious prosecution; or h. Any part of a premises occasionally rented to "insured" "business" c. The wrongful eviction from, wrongful entry into,or an for other than use. invasion of the right of private occupancy of a vehicle" 7. "Motor rneans: room, dwelling or premises that a person occupies, committed by or on behalf of itsowner, a. A self-propelled land or amphibious vehicle; landlord or lessor; or or d. Oral or written publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; or FORM: NYC HO 7 EDITION: 04 17 includes copyrighted material of Insurance Services POUCY: 4655265 Page 2 Office,Inc.,with itspermission. FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 Index #: EF2020-0162 C12020-15008 written publication of material that C. Coverage C - Personal e. Oral or Property violates a person's right of privacy. 1. Covered Property DEDUCTIBLE We cover personal owned or used an property by "insured" Unless otherwise noted in this policy, the following while itis anywhere inthe world. After a deductible provision applies: loss and at your request, we willcover personal property owned by: Subject to the policy limitsthat apply, we willpay only that part of the total of allloss payable under Section I a. Others while the property is on the part of the premises" that exceeds the deductible amount shown in the "residence occupied by an Declarations. "insured"; or b. A guest or a "residence employee", while the SECTION I- PROPERTY COVERAGES property is in any residence occupied by an A. Coverage A - "insured". Dwelling 1. We cover: 2. Limit For Property At Other Residences premises" a. The dwelling on the "residence Our limitof for liability personal property usually "insured's" shown in the Declarations, including located at an residence, other than structures attached to the dwelling; and the "residence premises", is 10% of the limit of for liability Coverage C, or $1,000, whichever is b. Materials and supplies located on or next to premises" greater. However, this limitationdoes not apply to the "residence used to construct, Personal property: alter or repair the dwelling or other structures premises" on the "residence premises". a. Moved from the "residence because it is being repaired, renovated or 2. We do not cover land, including land on which the rebuilt and is not fitto livein or store property dwelling islocated. in;or B. Coverage B- Other Structures b. In a newly acquired principal residence for 30 1. We cover other structures on the "residence days from the time you begin to the premises" move set apart from the dwelling by clear property there. space. This includes structures connected to the 3. Special Limits Of Liability dwelling by only a fence, utilityline, or similar connection. The special limitfor each category shown below is the total limit for each loss for allproperty in 2. We do not cover that category. These special limits do not a. Land, including land on which the other increase the Coverage C limit of liability. structures are located; a. $500 on money, bank notes, bullion, gold b. Other structures rented or held for rental to other than goldware, silver other than any person not a tenant of the dwelling, unless silverware, platinum other than platinumware, used solely as a private garage; coins, medals, scrip, stored value cards and "business" c. Other structures from which any is smart cards. conducted; or b. $5,000 on securities, accounts, deeds, "business" d. Other structures used to store evidences of debt, letters of credit, notes property. However, we do cover a structure other than bank notes, manuscripts, personal "business" that contains property solely records, passports, tickets and stamps. This "insured" owned by an or a tenant of the dollar limit applies to these categories "business" dwelling, provided that property regardless of the medium (such as paper or does not include gaseous or liquid fuel, other computer software) on which the material than fuel in a permanently Installed fuel tank exists. of a vehicle or craft parked or stored in the This limit includes the cost to research, structure. replace or restore the information from the § S. The limit of for liability this coverage will not be lostor damaged material. more than 20% of the limitof that liability applies c. $2,500 on watercraft of all types, including to Coverage A. Use of this coverage does not their trailers, furnishings, equipment and reduce the Coverage A limit of liability. outboard engines or motors. d. $2,500 on trailers or semitrailers not used with watercraft of alltypes. FORM: NYC HO 7 EDITION: 04 17 Includescopyrighted material of Insurance Services POLICY: 4655265 Page 3 Office,Inc.,with itspermission. FILED: TOMPKINS COUNTY CLERK 10/21/2020 05:04 PM INDEX NO. EF2020-0162 NYSCEF DOC. NO. 91 RECEIVED NYSCEF: 10/21/2020 C12020-15008 Index #: EF2020-0162 e. $5,500 forloss by theft,misplacing or losing of (b) Electronic apparatus and accessories jewelry, watches, furs, precious and semi- designed to be operated solely by precious stones. Limit of $2,000 per item. power from the electrical system of f. $5,000 loss the "motor vehicle". Accessories for by theft,misplacing or losing of firearms and related include antennas, tapes, wires, equipment. records, discs or other media that can g. $5,000 forloss by theft,misplacing or losing of be used with any apparatus described silverware, silver-plated ware, gold- goldware, above. plated ware, platinumware, platinum-plated The exclusion of property described in (a) ware and pewterware. This includes flatware, and (b) above applies only while such hollowware, tea sets, trays and trophies made property is inor upon the "motor vehicle". of or including silver,gold or pewter. vehicles" h. (2) We do cover "motor not required $10,000 on property, on the "residence "business" to be registered for use on public roads or premises", used primarily for property which are: purposes. "insured's" (a) Used to service an i. $1,000 on property, away from the "residence "business"