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Is it possible to buy homeowners’ insurance that will cover loss (for example, destruction of a home) in case of terrorist attack or war?
Now that the Taliban is in control of Afghanistan and Politico.com reports that senior military leaders are warning of a heightened risk of terrorism, I want to make sure that my assets are protected.
Acts of terrorism and acts of war are two different things. You are probably already covered for acts of terrorism. And I don't believe any insurer will cover acts of war, even as a rider. I know insurance companies are forbidden by federal law from covering nuclear damage, including nuclear accidents and nuclear war. I wonder if that extends to all acts of war.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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Correct, unless specifically identified as not covered, terrorism is covered. The insurance companies don't cover financial damages due to acts by the U.S. government, acts of war or nuclear accidents.
call your insurer and ask how they would treat it and or if there is a rider
This. Yet another question social media just can't answer. Get pertinent information from the horse's mouth...ie the insurance company that's providing a quote!
Acts of terrorism and acts of war are two different things. You are probably already covered for acts of terrorism. And I don't believe any insurer will cover acts of war, even as a rider.
This is true. The difference between terrorism and war is like the difference between a tornado (which homeowner insurance covers) and a flood (which most will not cover). It's all in the extent of loss. A terrorist attack or a tornado would hit only a relatively few people in an area; a flood or a war would strike everyone. They won't cover the extent of loss than a war or flood would entail.
Is it possible to buy homeowners’ insurance that will cover loss (for example, destruction of a home) in case of terrorist attack or war?
Now that the Taliban is in control of Afghanistan and Politico.com reports that senior military leaders are warning of a heightened risk of terrorism, I want to make sure that my assets are protected.
Thanks.
1. You may need some serious time away from the TV and internet with quite possibly some sort of discussion with your clergy or a professional.
2. Call your insurance agent.
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