Please note that the following property does not belong to the subject matter insured in this contract:

(1) Precious items such as gold and silver, jewelry, diamonds and their products, jade articles, jewelry, stamps, antiques, ancient books, calligraphy and painting, handicrafts, rare metals and products;

(2) Cash, bills, negotiable securities, documents, files, account books, charts, account books, technical materials, audio-visual products, computer software and data, and property with no appraisal value;

(3) Pens, lighters, watches, glasses, handbags and other valuables of luxury brands;

(4) Vehicles such as automobiles, motorcycles, tricycles and mopeds;

(5) Daily consumer goods (including cigarettes, wine, food, medicines, cosmetics and skin care products), pets, cultured products and plants;

(6) simple buildings;

(seven) property used for industrial and commercial production and business activities and rental of houses used for industry and commerce;

(8) The relevant government departments expropriate occupied houses, illegal buildings, dangerous buildings, illegally occupied properties and properties in an emergency and dangerous state at the time of insurance;

(9) Other family property not listed in Article 2. 1 of this insurance clause.

exonerate

1. Please note that we are not responsible for compensating the losses and expenses caused by the following reasons:

(1) Intentional acts or gross negligence of you, the insured and their families, service personnel and sojourners;

(2) War, hostile acts, military acts, armed conflicts, strikes, riots, riots, terrorist activities, theft and robbery;

(3) Nuclear radiation, nuclear explosion, nuclear pollution and other radioactive pollution;

(4) Other natural disasters and accidents not listed in Article 2.3 of this contract, such as earthquakes, tsunamis and their secondary disasters;

(5) Administrative acts or judicial acts;

(6) Air pollution, land pollution, water pollution, chemical pollution and other kinds of pollution, but the pollution caused by accidents within the scope of this contract is not limited to this;

(7) Household appliances are self-destructed due to overuse, overvoltage, short circuit, open circuit, electric leakage, self-heating and other reasons;

(8) All losses caused by floods to properties located in flood storage and detention areas, flood storage areas, river banks, low-lying areas and flood control dikes below the local perennial warning water level;

(9) Losses or expenses caused by design errors of the subject matter insured, defects in raw materials, poor quality of construction, installation and decoration, building settlement, natural wear and tear and normal maintenance;

(10) Any loss or expense caused by changing the house structure without authorization;

(1 1) Pipeline installation, maintenance, water testing and pressure testing, and the insured changes the original pipeline design without authorization, and the outdoor pipeline bursts and leaks;

(12) Natural loss, atmospheric (climate or temperature) change, normal water level change or other gradual reasons, material change, spontaneous combustion, self-heating, mildew, humidity, rat bite, moth-eaten, bird pecking, oxidation, corrosion, leakage and baking;

(13) Property losses placed in open air, unsealed balconies, outdoor public corridors and courtyards, but excluding indoor household appliances installed outdoors and specially insured agricultural tools and non-motorized agricultural machinery stored in courtyards.

Please note that we are not responsible for the following losses and expenses:

(1) Loss or loss of use value of the subject matter insured;

(2) Indirect losses.

Please note that we are not responsible for compensation under any of the following circumstances:

(1) When the insured accident occurs, the subject matter insured has been left unattended for more than 60 consecutive days;

(2) illegally possessing or holding the subject matter insured.

(3) You failed to pay the insurance premium as agreed, resulting in an insurance accident.