Esta póliza cubriría sus obras de arte y artículos valiosos contra Todo Riesgo incluyendo Motín, Huelga y Daños Maliciosos, Terremoto y/o Temblor de Tierra y cualquier otro fenómeno de la naturaleza. Incluiría además Robo y/o Hurto. La cobertura sólo excluiría pérdidas tales como, deterioro normal, o causados por insectos, de vicios inherentes, así como daños causados durante procesos de restauración, reparación o retoque, la rotura de objetos frágiles, a menos que fueran a consecuencia de uno de los eventos indicados en la póliza. Los artículos más importantes que se incluyen en este tipo de pólizas son: Joyas, relojes, cuadros, prendas, cámaras de filmación, y cualquier otro objeto de valor.
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