It is just another manner in which an insurance company will find a loop hole if a loss occurs so they do not have to pay, or can offer the person less money then they are entitled to. Insurance companies are the biggest scam in this country today. You have to have it or if something does happen or some one takes you to court, your financially ruined.

What are we supposed to do, build a powder bunker in the back yard? Of course we would have to insure that because if the neighbor kid broke into it and blew the neighborhood up, it would be our fault there also....

Face it guys.... when it comes to insurance companies, you can't win...