1. Earth movement
2. Ordinance or law
3. Water damage
4. Power failure
5. Neglect
6. War
7. Nuclear hazard
8. Intentional loss
9. Government action
10. Collapse
11. Theft to a dwelling under construction
12. Vandalism
13. Mold, fungus or wet rot
14. Wear and tear
15. Mechanical breakdown
16. Smog, rust and corrosion
17. Smoke from agricultural smudging
18. Discharge of pollutants
19. Settling, shrinking, expanding
20. Birds, vermin, rodents
21. Animals owned by insured