insurance for war — coverage for what your homeowners policy leaves out

The gap

Every homeowners policy excludes war.*

The war exclusion definition is broad and includes all of the following:

01Undeclared war, civil war, insurrection, rebellion or revolution.
02A warlike act by a military force or military personnel.
03Destruction, seizure or use of property for a military purpose.

Put another way: if your home is damaged or destroyed and one of these events is the cause, your insurance doesn't cover you.

What we're building

War Exclusion Insurance.

Your homeowners policy should cover you for all risks that could occur. If you experience a loss — whether by fire, theft, or war — you want your insurance company there to make you whole. Isn't that what you pay a premium for?

The policy is intended to provide coverage if you experience loss caused by an Act of War. Similar to earthquake or flood exposures, also excluded by homeowners policies.

If your insurance company denies your claim due to the war exclusion, the policy steps in to provide coverage — sitting alongside your existing homeowners policy as straightforward gap coverage, not a replacement for it.

Coverage at a glance

What the policy is designed to offer.

Your Home

Limits up to 100% of your homeowners policy limit, on an ACV or replacement-cost basis.

Personal Property (Your Belongings)

Coverage for the contents of your home, aligned to your existing policy limits.

Loss of Use (Money to Rent)

Support for additional living costs if your home becomes uninhabitable.

Deductible Options

Deductibles available to match your risk tolerance and reduce the premium.

Be first to know when it's available where you live.

We're gauging interest state by state. Tell us where you are and we'll notify you the moment coverage opens in your state.

This is a pre-launch interest page used to gauge demand. No insurance is offered, sold, or bound here. Joining this list is not an application for insurance and creates no coverage. Product availability, terms, and pricing are not final and are subject to regulatory approval and may vary by state.

*Based on our review of the top homeowners/renters insurance companies' policies, making up greater than 90% market share, we have not found a policy that does not exclude war.