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Insurrection, Rebellion, and Revolution

In light of the January attack on the Capitol, this article looks at various exclusions and how they would or wouldn't be applied to such an event.

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On Wednesday, January 6, a large group of Trump supporters attacked the Capitol, damaging the building, injuring many and causing the death of five. Dozens have been arrested and charged, and authorities are continuing to look for others. The attack has been called everything from a riot to an attempted coup on the government and participants have been called insurrectionists or domestic terrorists but many participants consider themselves peaceful protesters. But what is the difference, and does it make any difference in insurance coverage?

Well, it might. Some policy exclusions are identical or very similar across the board. In the ISO homeowners policy, the war exclusion reads as follows:

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