things that are terrible, vol. 19: reading insurance paperwork

I was just reviewing my renter's insurance policy (it's time to renew again... oh yay for shelling out more money that i don't have!) but the one thing i have discovered from reviewing the paperwork is that HOLY SHIT there are so many ways your property can be damaged. it is truly terrifying to read this stuff. i mean, some of these things i have never even heard of, for example, from Section I, Coverage B:

"We insure for accidental direct physical loss to the property caused by the following perils:

• Aircraft
• Riot or civil commotion
• Sudden and accidental discharge or overflow
• Sudden and accidental tearing asunder, cracking, burning or bulging"

what the hell is "accidental tearing asunder"? and "bulging"? and i suppose it is comforting, yet horrifying, to know that i am covered for any damage that may result from a plane crashing into my first floor apartment. 

even more absurd are the things it doesn't cover, including:

• Smog
• Smoke from agricultural smudging
• Earth Movement

does "earth movement" mean an earthquake? or, like, have people really tried to file a claim for property damaged by the earth turning on its axis? it is really not clear. and what is "agricultural smudging"? 

so many questions.