What type of policy covers damage caused by riots or civil disturbances?

A standard fire policy typically provides coverage for damage caused by fire, but it also includes broader protections that can extend to damages from riots or civil disturbances, depending on the specific terms and conditions of the policy. These policies are designed to protect against a range of perils, which can include vandalism and damage that arises from conflict situations.

In many cases, standard fire policies may offer coverage for loss or damage due to civil unrest or riots, as these events can often lead to property damage that resembles damage from fire or other catastrophic events. It’s important to read the specific terms of any insurance policy to understand what is covered, as this can vary.

While flood insurance specifically addresses damage from flooding, liability insurance covers legal responsibilities for injuries or damages to others, and commercial insurance encompasses various forms of coverage for business-related incidents, none of these options directly refer to covering damages from riots or civil disturbances the way a standard fire policy can.