1. Dwelling exclusions:
    A. Flood
    B. Earth movement volcanic eruption, earthquake, landslide
        mudflow, earth sinking, shifting, or rising
    C.  Wear and tear
    D.  Nuclear reactions
    E.  Intentional damage
    F.  Neglect
    G.  Contamination
    H.  Act of war
           I.  Domestic animal, insects, rodents, birds
2.  Personal Property Exclusions:
    A.  Articles separately described and insured by
        endorsements
    B.  Animals, Birds,or fish
    C.  Motor vehicles and all other motorized land
        conveyances
        D.  Property of roomers, boarders, and other tenants except
        property of roomers related to the insured
    E.  Property in an apartment regularly rented or held for
        rental to others by an insured
    F.  Property rented or held for rental to others off the
        residential premises.
    G.  Books of account and drawings.
    H.  Credit cards
3.  Personal Liability Exclusions:
    A.  Bodily injury to the insured
    B.  Damages caused by failure to render professional
        services or by rendering professional services
    C.  Damages caused by motor vehicles
    D.  Damages caused by operation of an aircraft
    E.  Communicable diseases.
    F.  War
    G.  Workers' Compensation injuries
    H.  Damages caused by water craft if while using the craft
        damages result
    I.  Non-insured locations
    J. Intentional acts of the insured
    K. Business activities