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As a wave of sadness, frustration and violence spreads across the country in the wake of the death of George Floyd, those closest to violent demonstrations may be fearing damage to their business, home or vehicle.
The good news is most insurance policies cover property damaged due to looting or vandalism, with a few exceptions to watch out for.
Standard homeowners, business and comprehensive auto insurance policies usually pay for physical damage caused by fire, explosion, vandalism or looting during civil commotion, according to the Insurance Information Institute. That includes personal possessions damaged within or stolen from a home, vehicle or business — which includes looting.
Does car insurance cover looting damage?
Does home and renters insurance cover looting damage?
Does business insurance cover looting damage?
Watch our short video on how your insurance can cover you in the event of vandalism or looting:
Glass coverage is a typical exception and often treated separately on auto and business policies. Some auto insurance policies offer no-deductible glass coverage, which waives your responsibility for paying your deductible before a broken window is paid for.
Also, policyowners are on the hook for paying a deductible before getting a claim check. Depending on the company, your insurer may take the deductible from your final claim payout.
Policy exclusions vary, so carefully read your policy details if your property is damaged. Your insurance company can also give you insight into other types of coverage or support you may have opted into when you signed up.
Thanks to the First Amendment, Americans have the right to assemble, express their opinions and protest, though the police and government also have a right to limit how or where they can do it. Here’s what you can and cannot do, according to the ACLU.
Protestors can:
Protestors cannot:
If you’re looking for help or need help yourself in the wake of the nation’s unrest, you’re not alone. Look to trusted sources for information about your rights, to talk with a mental health professional or to find assistance for basic needs:
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