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It could yes, But it all depends on what the raid was about and why it happened.

If they raided the wrong house by mistake, (seems to happen a lot these days) then your local police department would cover the damages. No need for a claim on your home insurance record.

If a valid raid on you or one of your occupants, Homeowners nor any other insurance type will cover personal losses that result from criminal activities of the insured. It would actually be illegal for the insurer to pay such claims as it could effectively enrich the insured for their crimes.

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Q: Can homeowners insurance cover damage from a swat raid?
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Does homeowners policy cover for damage by police raid?

No, afraid not. If the police department raided the house by mistake they will probably pay for the damaged themselves or their insurance company will. If it wasn't a mistake, then it is your fault for being a criminal. If you make a claim the insurance claim I'm sure they will cancel you for participating in illegal activities on the premises.


Can landlord take security deposit if house was raided?

When the raid happened you should have reported it to the police and been given a crime number. The landlord's insurance should cover damage/loss to his property - your insurance should cover your losses. Unless you were negligent about ensuring the security of the property, for instance by leaving the windows or doors unlocked, he would not have a case to expect remuneration from your side, and he still needs to itemise what he is charging for, not just take the whole deposit. Expect a full explanation for any deductions or else take him to small claims court.


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