EVENTS
Riot, civil commotion, or public disturbance
COVERED
We’ve all likely seen footage on the news of rioters destroying property and undoubtedly you felt your stomach churn. Here is more information on when you may and may not be covered for loss or damage to your building and contents caused by riot, civil commotion, or public disturbance under AAMI Home Building and/or Contents Insurance.
What’s covered
If loss or damage to your building or contents is caused by riot, civil commotion, or public disturbance, you can lodge a claim. An example of this would be if the loss or damage was caused by a violent crowd moving down your street.
What’s not covered
There are instances where you will not be covered. These include when the loss or damage is caused by:
- you or someone who lives at the insured address
- nuclear or biological devices
- someone who entered the insured address with either:
- your consent
- the consent of someone who had your authority to allow them access to the insured address.
You can find more information on this and other policy coverage in the Product Disclosure Statement.