Loss or damage to the whole, or part, of the property (as noted on your policy schedule) that you own, or for which you’re responsible (including alterations made by you, as tenants, to the buildings and structures), due to:
- Fire, lightning or thunderbolt, subterranean fire, explosion or earthquake (this excludes damage due the underground workings of a mine).
- Special perils (storm, wind, water, hail and snow).
- Impact by animals or trees (except if the trees are being felled).
- Aerials, satellite dishes, vehicles, aircraft and other aerials or articles dropped from them.