In the event of a war occurring in Texas, the coverage provided by your insurance policies for home, auto, commercial, and cyber insurance would generally be limited or excluded.

Here’s a breakdown of how each type of insurance is typically affected:

Home Insurance - Exclusions: Most homeowners' insurance policies exclude coverage for damages resulting from war or acts of war. Therefore, if your home suffers damage due to war, you are likely not covered.

Auto Insurance - Limited Coverage: Standard auto insurance policies typically do not cover damages caused by war. While comprehensive coverage may address some scenarios, it usually excludes war-related incidents.

Commercial Insurance - Common Exclusions: Similar to home insurance, commercial property insurance usually has exclusions for losses due to war. Some businesses may have access to specific endorsements for additional coverage, but such options are not commonly included in standard policies.

Cyber Insurance - Policy Variability: Cyber insurance policies can vary widely. While they may cover a range of risks, many policies exclude damages resulting from acts of war or cyber warfare. It's essential to review your specific policy for these details.

Recommendations - Policy Review: Carefully review your insurance policies to understand the coverage limits and exclusions related to war. - Consult Your Agent: Discuss your concerns with your insurance agent at Strawberry Antler. They can provide specific insights and help you explore any potential coverage options or endorsements. - Explore Specialized Coverage: If you are particularly concerned about risks associated with war, ask your agent about specialized insurance products that may be available.

If you have further questions or specific scenarios in mind, feel free to share, and I can provide additional insights.