What type of damage is covered under civil commotion in property insurance?

Civil commotion coverage in property insurance refers to damage resulting from manmade disturbances, such as riots, civil disturbances, or other forms of social unrest that lead to property damage. This type of coverage is essential because it protects property owners from financial losses incurred during unpredictable and chaotic events caused by human actions.

Manmade disturbances can disrupt normal circumstances significantly, presenting a risk to property that is distinct from that posed by natural disasters or other events not covered under standard property insurance policies. This distinction makes it clear that civil commotion is directly related to human activities that lead to destructive outcomes, rather than natural phenomena or equipment malfunctions, which are addressed under different terms or exclusions in insurance policies.