Rioting has become a big component of city and small town life. It can happen anywhere. Often, these riots can lead to significant amounts of damage to a home or business.
If you become the victim of such violence, you may wonder what you are going to do to rebuild or make repairs. Unfortunately, you do not have to be a target of such acts of violence to be a victim.
Most of the time, those who experience riot damage have no warning and cannot prevent it. This is why home insurance generally provides financial protections for individuals in these cases.
Will Home Insurance Cover Your Losses?
The news is often filled with stories about rioting. Many times, thieves and others will use this as an opportunity to damage homes and businesses. They often steal valuables or cause a significant amount of damage.
Home insurance provides financial protection for homeowners. It usually works in accidental, unplanned and unpreventable instances and accidents. This is exactly what rioting is in most situations.
Home insurance, then, is likely to help you with coverage from:
- Fires set by rioters
- Damage to the structure of your home or surrounding (and covered) structures
- Protection for your vehicle (your auto insurance may also cover this loss)
- Riot-related theft such as stolen electronics
- Vandalism on your property related to the riot itself
There is no doubt that riots are very scary events. It is even worse for you, as a homeowner, when you have no idea what is happening.
After such an event occurs, do not delay in calling your home insurance company. Do not clean up the debris. Remove yourself from any dangerous situation immediately. Call the police as well to report the damage.
These steps will help ensure that evidence is in place for the police and insurance company to take action.
Not all home insurance policies will include riot-related coverage. When purchasing your next policy, take a look at the list of exclusions. Exclusions are specific types of losses the policy will not cover. Be sure riots are not listed here.
The right home insurance can ensure your home is well-protected when the unpreventable occurs. Millers Insurance is proud to offer a variety of home insurance options. We can make sure that you have proper riot protections. Call us today at (610) 269-4500 if you have questions. You can also start a quote online.