It's safe to say Act Of God is not covered either. An act of God is an uncontrollable event, such as tornadoes, floods, or tsunamis, not caused nor controlled by humans. My insurance policy does not cover earthquakes and floods. That is the only exclusion in my policy. But I can buy flood and earthquake insurance. Homeowners insurance also typically does not cover damage caused by an act of war. My insurance does not cover a fire if an act of war causes it. But that is the only exclusion. After September 11, "war and terrorism" exclusions that broadened the war portion of the exclusion beyond contractually assumed liability were quickly added to liability policies. This development widened the scope of the war exclusion clause, which is now considered standard, regardless of whether terrorism is insured or excluded in the policy.
I would contact a reputable insurance company/Agent in your area and have them review your current insurance.
It's safe to say Act Of God is not covered either. An act of God is an uncontrollable event, such as tornadoes, floods, or tsunamis, not caused nor controlled by humans. My insurance policy does not cover earthquakes and floods. That is the only exclusion in my policy. But I can buy flood and earthquake insurance. Homeowners insurance also typically does not cover damage caused by an act of war. My insurance does not cover a fire if an act of war causes it. But that is the only exclusion. After September 11, "war and terrorism" exclusions that broadened the war portion of the exclusion beyond contractually assumed liability were quickly added to liability policies. This development widened the scope of the war exclusion clause, which is now considered standard, regardless of whether terrorism is insured or excluded in the policy. I would contact a reputable insurance company/Agent in your area and have them review your current insurance.