The property insured shall refer to all properties and expenses spe-
cified in the Schedule of this Policy.
Unless specifically agreed upon in writing between the Insured and the
Company and appraised and value-established by professionals or assessors,
the following articles and the expenses relevant thereto shall not be
covered under this Policy:
1. gold, silver, pearls, diamonds, precious stones and jades;
2. antiques, articles of virtue, ancient coins, ancient books and
ancient paintings;
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