![homeowners insurance cover war riot civil unrest homeowners insurance cover war riot civil unrest](https://i.ytimg.com/vi/UuUa6h98iDw/maxresdefault.jpg)
However, many policies have a limit of $300,000 for medical expenses, so talk to your agent to see if you need to supplement your policy with additional protection. There are usually limits to this type of coverage, so check with your agent to see the specific coverage your policy offers.Īnother surprising thing that is frequently covered by home insurance is medical expenses incurred from something such as your dog biting someone. If there is legislation passed that requires you to make changes or improvements to your home, the cost of those changes is typically covered by your home insurance policy. If this is a major concern, consider adding renter’s insurance to guarantee total protection. It is important to note that the liability limit for students’ property may be lower, and not all policies cover off-campus housing. Policies typically cover anyone living in your household, as well as children under the age of 24, meaning your college-aged child may still be protected. If your children have grown up and moved off to college, their property may still be protected under your home insurance policy. Please note that this type of coverage is not guaranteed in all policies, so check with your agent to see if you are covered. Many home insurance policies allow reimbursement for the costs of identity theft, such as lost wages or legal fees. One surprising event that is covered by your home insurance policy is identity theft. While it is best to consult your insurance agent to see your coverage, here are five surprising things you might not know your home insurance covers. However, not all natural events are covered by all home insurance policies – many policies do not cover losses in the event of an earthquake or flood, meaning the policyholder would need to seek additional insurance to be fully protected.
![homeowners insurance cover war riot civil unrest homeowners insurance cover war riot civil unrest](https://www.pricerunner.dk/product/320x320/1868390419/Riot-Civil-Unrest.jpg)
You are probably aware of the typical events that home insurance covers, such as vandalism, fires, fallen trees, wind damage, or even lightning strikes.
![homeowners insurance cover war riot civil unrest homeowners insurance cover war riot civil unrest](https://coastalinsurancesolution.com/wp-content/uploads/2013/01/insurance-companies-new-york-Copy.jpg)
However, entities that are faced with a significant risk of war, such as companies located in politically unstable countries, may be able to purchase a separate war risk insurance policy.Having the right home insurance policy will protect your home and belongings, and additionally cover your liability exposure from owning a home. War exclusion clauses were expanded and became standard after the September 11 terrorist attacks.īecause most insurance companies would be unable to remain solvent, let alone profitable, if an act of war suddenly presented them with thousands or millions of expensive claims, auto, homeowners, renters, commercial property, and life insurance policies often have war exclusion clauses.Insurance companies also do not cover war damages because the cost of the claims could potentially be astronomical, driving the company into bankruptcy.The reason insurance policies have war clauses is that insurance companies cannot accurately compute the premiums to charge for damages sustained by war.An insurance company is protected from having to pay out claims on automobiles, homes, and the like, if the damage was caused by war.
![homeowners insurance cover war riot civil unrest homeowners insurance cover war riot civil unrest](https://i.ytimg.com/vi/GciFHjU2sco/maxresdefault.jpg)