riots and civil commotion insurance coverage

Well just when you think things can't get any worse along come curfews, riots, protests and looting. It's a crazy time and I hope that everyone out there stays safe and treats each other kindly. If you have property that were to get damaged during these stressful times here's how your insurance would help.
The good news is that most damages done during a riot, protest or civil commotion are covered under your insurance. In most cases there is coverage on your auto insurance and your home insurance policies. Let's take a look and see how that might work.
Now, say that you go out to peacefully protest and you come back and find the windows of your car are shattered or worse your car is now in flames. As long as you carry comprehensive coverage on your auto insurance your vehicle will be repaired for damages above your deductible. Both vandalism and fire are covered under comprehensive. Don't worry about making an insurance claim because comprehensive claims don't impact your rate. I suppose if auto insurance companies paid out a huge number of claims in your area they may pass those losses onto their policy holders. But, generally comprehensive limits are fairly inexpensive and the impact from a one time event should be small. 
Now, on your home insurance there is usually coverage for riots, vandalism and civil commotion. It should be in your covered loss section of your policy declaration if you want to confirm the coverage. What that means is if your home happens to be damaged either from something small like spray paint or something more serious like fire those losses would be covered under your home insurance. Now, your deductible may still apply so it might not be coverage from dollar one. But, if you have major damage your home limits should be available. 
If you are needing either home or auto insurance give us a call for a free quote. We have lots of great carriers available. 951-395-0754