That is not correct with regard to riots and civil commotion (a form of civil unrest by larger group of people than in a riot). This piece describes the coverage somewhat and as it notes and can be found elsewhere, civil unrest losses are covered for the crap going on currently in both homeowners and business policies. Another source saying much the same and another. This one is CA specific but probably the same in most other states. So what does that mean - insurance rates will be skyrocketing by next year at the latest.