Excellent questionRoneKiln wrote: ↑Fri Jan 08, 2021 12:16 amI am contacting my insurance agent to ask about the impact of civil disturbances on my home insurance. I recommend others do the same. Does any of your insurance help with damage from riots? I have no idea, and that's a FAIL for me. What about your car? I drive a 25 year old honda civic that's not worth insuring (but I have good medical coverage for me and passengers in it). But some people here drive much more valuable cars. Might be worth checking with your insurance agent.
Your standard HO policy (Broad form) usually cover the following list of perils:
Accidental leakage of plumbing or heating system
Collapse of building ( not settling damage)
Fire & Lightning
Freezing of plumbing or heating system
Non-owned vehicles of Aircraft damage
Riot or Civil Commotion
Weight of ice, sleet, and snow
Windstorm & Hail
With 3 exceptions I recall (Earthquakes, Floods, & Hurricanes), weather events are usually covered. These exceptions are due to how widespread & catastrophic those events are.
When it comes to riots, the exception that I remember is when it becomes an attempt to overthrow the current Government. "The War Clause" is a standard exception for in almost all types of policies, (property, health, life). Same with all types of Nuclear incidents.
Always check with your agent for the latest info.
ETA: Here is a page that come the MP seal-of-approval for excellent, detailed info on covered perils: Which disasters are covered by homeowners insurance?
EETA: Always check with your agent for the latest info.