Civil commotion refers to a public disturbance or disorder that involves a large number of people and results in property damage. This could include riots, strikes, or other forms of public unrest.
Most standard property insurance policies, such as homeowners and commercial property insurance, include coverage for losses resulting from civil commotion. It typically protects against damage to property caused by:
It’s important to note that the specific coverage for civil commotion can vary depending on the insurance policy and the insurer.
At PSIC, we understand that unexpected events can occur. That’s why our property insurance policies, including Homeowners, Renters, and Landlord insurance, offer coverage for damages caused by civil commotion.
If your property is damaged as a result of a riot, strike, or other civil disturbance, your policy may help cover the cost of repairs or replacement. However, it’s important to note that specific coverage limits and exclusions may apply.
To ensure you’re fully protected, we recommend reviewing your policy documents carefully. If you have any questions about your coverage or how it applies to civil commotion, we recommend you contact your insurance agent.
By understanding the potential risks and having adequate insurance coverage, you can safeguard your property and minimize financial loss in the event of a civil disturbance.
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Last updated: June 27, 2023
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