The following letter arrived in our mail this morning from Aviva Insurance Company of Canada, which insures our house:
Recent events have demonstrated that terrorism and the threat of terrorism, not unlike war, have become uninsurable events. Therefore, we are now excluding coverage resulting from acts of terrorism. Fire following a terrorist act will continue to be covered.
The attached endorsement defines terrorism as:
…an idealogically motivated unlawful act or acts, including but not limited to the use of violence or force or threat of violence or force committed by or on behalf of any group(s), organization(s) or government(s) for the purpose of influencing any government and/or instilling fear in the public or a section of the public.
Oddly, it later goes on to explain that we are no longer insured for:
…any activitiy or decision of a government agency or other entity to prevent, respond or terminate Terrorism.
So if someone tries to blow up our house, and the government tries to stop them, and, say, breaks down our door in the process, we’re on the hook for a replacement door, I guess.