Nuclear Fungi

I just switched my renter's and car insurance to another company. Today I received some amendments to the policy declaration my agent gave me a week ago:

SECTION II - MEDICAL PAYMENTS - COVERAGE C:

The following is added to what is not covered:

a. There is no coverage for bodily injury that results from exposure to fungi

b. There is no coverage for bodily injury that results from:
1. Nuclear reaction
2. Radiation or radioactive contamination from any source
3. Accidental or intentional detonation of, or release of radiation from, any nuclear or radioactive device.

SECTION IV - PHYSICAL DAMAGE COVERAGE:

a. There is no coverage for:
1. Loss to any vehicle due to fungi, unless the fungi is the direct result of a loss payable under:
a. Comprehensive coverage and your car is insured for comprehensive coverage under this policy or
b. Collision coverage and you car is insured for collision coverage under this policy.

b. There is no coverage for loss to any vehicle that results from:
1. Nuclear reaction
2. Radiation or radioactive contamination from any source
3. Accidental or intentional detonation of, or release of radiation from, any nuclear or radioactive device.

Well, I thought it was strange that I have an earthquake insurance rider on my contract. I wonder if there's a special Nuclear Holocaust or Invasive Fungi rider I can purchase as well. I'll have to give my agent a call on Monday about that.