Riot, Terrorism and Civil Disorder Insurance

Most standard home insurance policies will not cover damages or loss caused by riots, civil disturbances, or terrorist attacks. This makes riot, terrorism, and civil disorder insurance a necessity for some homeowners. Learn about the possible limits of your coverage below and start shopping for civil disorder insurance quotes with our free comparison tool.

Free Insurance Comparison

 Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Since the incident on 9/11, terrorism and civil unrest have become important considerations for homeowners, especially in dense population centers. And since most home insurance policies do not include riots, terrorism or civil disorder by default, it is up to each homeowner to determine if they need such coverage and to purchase it separately.

Another man-made disaster that your insurance may not cover is the possibility of nuclear radiation or fallout, even if it caused by a power plant rather than malicious intent. Coverage for these types of things, where widespread damage is caused directly or indirectly by men, is often hard to find, and may only be available from high risk insurance companies. In some cases, the only home insurance available for these perils is through government monitored agencies, where all home insurance companies contribute proportionate shares into a fund that is available to all homeowners at premiums graded to match the possibility of the disaster occurring.

Regardless of the cost, having insurance to protect against civil disorders or man-made disasters is far cheaper than the cost of rebuilding a home out of pocket, even before you consider the many thousands of dollars of personal property that the average family would stand to lose. So the odds of such a situation may be small, but the benefits are actually enormous if such a claim becomes necessary.

In addition to adding this coverage, look at the limits for your family’s personal property as well. Most policies only provide for a percentage of the total policy value to replace lost or damaged property and often fall short of the total value of your property. You can increase those limits, and to make a property claim easier to settle, keep a video record, called a home inventory of your property that can be referred to in order to prove the extent of your losses.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

 Secured with SHA-256 Encryption