Can homeowners insurance cover damage from a swat raid?

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1076363

2026-04-06 16:45

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It could yes, But it all depends on what the raid was about and why it happened.

If they raided the wrong house by mistake, (seems to happen a lot these days) then your local police department would cover the damages. No need for a claim on your home insurance record.

If a valid raid on you or one of your occupants, Homeowners nor any other insurance type will cover personal losses that result from criminal activities of the insured. It would actually be illegal for the insurer to pay such claims as it could effectively enrich the insured for their crimes.

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