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Over the past year, protests and riots have spread across 140 cities in the United States, including Louisville.

It's been estimated that the current civil unrest has caused somewhere in between of $500 - $900 million dollars in damages. This would make 2020's losses the second highest in history. The costliest civil disorder to occur in the United States happened between April 29th through May 4th following the acquittal of LA Police Department officers for using excessive force in the arrest and beating of Rodney King. The civil unrest in 1992 cost roughly $1.4 billion in 2020 dollars.

So, are you covered?

Auto Coverage: Damage to cars caused by vandalism is covered only if you have Comprehensive Coverage. Comprehensive Coverage also protects your vehicle from losses caused by fire, falling objects and more.

Homeowners Coverage: Most basic homeowners policies cover fire and vandalism.

Business Coverage: Vandalism is typically covered on most policies, however, there are some gray areas when it comes to civil unrest.

All insurance policies are not created equal. Read your policy and contact your local agent with questions.