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This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.
Yes, standard home and renters insurance policies cover damage caused to your property and belongings during a protest turned destructive. Your policy should include a list of insured perils or risks, and as long as your policy includes a peril listed as “riot or civil commotion,” you should be able to repair or replace your lost property using your policy’s coverage.
Watch our short video on how your insurance can cover you in the event of vandalism or looting:
Most home insurance policies cover any damage to your home or belongings due to vandalism or looting, such as:
Your claim might be denied in a few cases:
Yes, renters insurance policies typically cover vandalism or looting damage with similar coverage exclusions as a homeowners policy. In addition, your building owner association’s landlord insurance will typically pay to repair damage to shared areas and structures. Speak with your landlord to find out when and how those repairs will be completed.
Most homeowners and renters insurance includes coverage for additional living expenses, which includes the cost of temporary housing if the repairs needed to fix your home make it uninhabitable. Check your policy to understand any exclusions and coverage limits, such as daily caps on meals or a hotel room.
It depends on how much damage was done. If you don’t have enough coverage, you may be facing thousands of dollars worth of damage due to theft, or more if a fire breaks out.
The average home insurance claim is around $11,000, according to the Insurance Information Institute. However, that number may be high since many homeowners don’t bother claiming small amounts of damage. If the amount of damage is less than your deductible and you can replace what was damaged or stolen, you might reconsider making a claim and risking higher insurance premiums in the future.
There are a few steps you can take to help protect your property from damage:
If your home is in the line of active violence, get to a safer location until the situation changes.
Your safety matters most in times like these. But once the damage is done, understanding your coverage options for repairing your home can help you find peace of mind and move forward. Take the time to shop around for home insurance to be sure your policy is the right one for you.
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