Insurance does not cover acts of civil disobedience or war.
Not understanding that statement completely. The wartime excuse I might understand. Why would insurance not pay off on a criminal act of civil disobedience? Maybe just because they would lose a lot of money in certain areas of certain cities? Would seem to me in this instance they sold that officer insurance under false pretenses. What the insurance company is saying that the house would have to have burned down in normal circumstances. Whatever that is.