Policies will base payments on the value of a vehicle. If your vehicle has outstanding finance, then there may be a shortfall. This is where a GAP policy may be essential as it will settle any shortfall in settlements.
Household policies will cover damage to the property caused by fire, vandalism or malicious damage e.g. damage caused in riots. This would include coverage to the structure of the home, as well as possessions that have been damaged within the home at the time..
Please check that your home insurance provides cover for additional living expenses. This covers any payment that you may incur while away from the property, such as hotel expenses.
Rioting and vandalism are usually covered under virtually all business owners. Damage to fixtures and other items that are part of a building will likely be covered in the policy.