{"id":176,"date":"2026-10-31T12:00:00","date_gmt":"2026-10-31T18:00:00","guid":{"rendered":"https:\/\/www.brokersinsurancene.com\/blog\/?p=176"},"modified":"2026-10-28T02:59:06","modified_gmt":"2026-10-28T08:59:06","slug":"why-doesn-t-home-insurance-cover-terrorist-damage","status":"publish","type":"post","link":"https:\/\/www.brokersinsurancene.com\/blog\/why-doesn-t-home-insurance-cover-terrorist-damage\/","title":{"rendered":"Why Doesn’t Home Insurance Cover Terrorist Damage?"},"content":{"rendered":"

Today, many standard policies have an exclusion for acts of terror, which includes any damage caused by a terrorist. Home insurance in Lincoln, NE may not cover damage if it’s considered an act of terror. As more protestors are labeled terrorists, it’s important to understand how this works. <\/span><\/span><\/span><\/p>\n

Policy Exclusions<\/span><\/span><\/span><\/h3>\n

Specific exclusions vary by company. Some companies exclude any damage considered an act of terror, which may apply to riots or protests. Others exclude terrorist damage if it exceeds a certain amount. Speak with an agent at Brokers Insurance Agency to learn more about your policy. <\/span><\/span><\/span><\/p>\n

Why Do They Exclude Terrorist Damage?<\/span><\/span><\/span><\/h3>\n

Damage from terrorists can happen on a massive scale. It can topple entire city blocks. This level of damage runs counter to the risk models insurance companies rely on to stay in business. As a result, a single company could go bankrupt from the payouts. This would ultimately lead to them not having enough money to pay people with a policy for the damages, leaving businesses and homeowners in a tough spot. <\/span><\/span><\/span><\/p>\n

Secondary Damage<\/span><\/span><\/span><\/h3>\n

While some policies won’t cover direct damage, such as a bomb, many will cover secondary damage, such as fire or smoke damage. Many will also include damage from protesters under vandalism, even if these people are labeled terrorists on television. So, a policy may not cover damage if a bomb hits your house, but you’re probably covered for other events. <\/span><\/span><\/span><\/p>\n

It’s always important to speak with an agent here at Brokers Insurance Agency to learn more. Our experienced representatives can help you understand your policy’s fine print. Contact us today. We’re currently serving the Lincoln, NE area. <\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Today, many standard policies have an exclusion for acts of terror, which includes any damage caused by a terrorist. Home insurance in Lincoln, NE may not cover damage if it’s considered an act of terror. As more protestors are labeled terrorists, it’s important to understand how this works.  Policy Exclusions Specific exclusions vary by company. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[15,31,25,29,30],"class_list":["post-176","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-brokers-insurance-agency","tag-home","tag-insurance","tag-lincoln","tag-ne"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t