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🇵🇱 Poland
Russian missile destroys your home — the Polish state won't pay if your policy excludes war
Poland bears no civil liability for property destroyed by Russian missiles if the owner's insurance policy excludes war-related damage, according to an analysis by Rzeczpospolita. Standard home insurance policies commonly contain clauses excluding war and armed conflict, leaving homeowners near the border potentially unprotected. Experts advise residents in border regions to review their policies and check for such exclusions.
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