The short answer
HO-3 policies do not exclude terrorism for residential dwellings — damage from a certified terrorist act to your home is covered. Commercial property policies exclude terrorism by default; the Terrorism Risk Insurance Act (TRIA) enables commercial insurers to offer it as an add-on, typically 1–5% of premium.
Frequently asked
- Does it cover nuclear or radiological attack?
- War, nuclear hazard, and radioactive contamination are excluded from all standard property policies.
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