(1) Insurance taken out for an aggregate of items covers each individual item belonging to the aggregate of items.
(2) If the insurance is taken out for an aggregate of items, it covers the items belonging to those persons with whom the policyholder is sharing a common household on occurrence of the insured event, or who are employed by the policyholder at that time and are working at a location covered by the insurance. The insurance is thus deemed to have been taken out for the account of a third party.