There are some items that may not be
covered, including animals and
plants, gift cards and gift certificates, medical equipment, monetary instruments,
permanent fixtures, perishable and consumable items, used goods, rare stamps, coins, collectibles, antiques and motorized vehicles.
24 Tundra Treeless region found almost exclusively in the Northern Hemisphere
Plant life of mosses, shrubs and flowering herbs Ice Caps Monthly average temperature below 0ºC (32ºF)
Covered with
permanent ice and snow