Say a war were to break out in the USA for whatever reason and your home is destroyed in the process. Does cover that damage or loss?

 

  • milton b 9:03 am on March 20, 2010

    Usually not. The policies normally only cover damage from normal events. For example, if you have a fire because of a rat chewing on your wiring that would be covered but a fire from a bomb being dropped would not.

  • golferwhoworks 9:03 am on March 20, 2010

    depends on the wording of the policy. If it says Acts of God and War then no not covered

  • Ryan M 9:03 am on March 20, 2010

    That depends on what your POLICY states. Some might actually cover that, some will not. Not ALL polices cover the same things.

  • coldfuse 9:03 am on March 20, 2010

    Homeowner’s insurance policies usually do not cover what are termed "acts of god." War is usually categorized as an "act of god" thus your homeowner’s insurance would likely not cover the loss.

  • William W 9:03 am on March 20, 2010

    Almost all policies exclude acts of war, riots, and insurrections.

  • eloquent 9:03 am on March 20, 2010

    this is a great question for your agent.

  • mbrcatz 9:03 am on March 20, 2010

    Nope. War is an exclusion on EVERY homeowners policy.

    But if we have war break out and we’re fighting on US Soil, we probably have bigger problems.

    **No policy EVER refers to ‘acts of God’. It’s not an INSURANCE term. There’s no such thing, insurance wise. People who are talking about "acts of God" while talking about insurance, don’t know what they’re talking about, so take it with a grain of salt. "Act of God" is a LEGAL term, not an insurance term.**

  • aredsailjunk 9:03 am on March 20, 2010

    Mine specifically excludes Acts of War