SCUDS and mortars, do your bidding

So today I got my new Allstate Renters Insurance policy in the mail, and spent a few minutes looking through it. Now this sounds like a very boring topic for a blog entry, but NO! I had no idea about the gems I would find in my insurance policy.

For example, my policy DOES COVER damage caused by:

• "Riot or Civil Commotion, including pillage and looting during, and at the site of, the riot or civil commotion"

But DOES NOT COVER damage caused by:

• "War or warlike acts, including, but not limited to insurrection, rebellion, or revolution."

So if my apartment is pillaged by rioters -- covered. If my apartment is destroyed by revolutionaries -- not covered.

Next, my policy DOES COVER damage caused by:

• "Aircraft, including self-propelled missiles and spacecraft."

But DOES NOT COVER damage caused by:

• "Nuclear action, meaning nuclear reaction, discharge, radiation, or radioactive contamination, or any consequence of these."

So, if a plain old missile blows up my building -- covered. But if the missile is nuclear -- not covered.

But at least I am insured against falling spacecraft. I'm in good hands with Allstate.