Anyone else noticing things not covered by war, rebellion, civil uprising

My wife and i were looking through our insurance policy and it states that inn the event of pretty much civil war or revolt your assets won't be covered by that. How weird? Then i bought a pipe beveling machine called a Mathey dearman clamp and while looking through the owners manual it listed several different scenarios they wouldn't warrant the product for. Like misuse, modifying, normal stuff like that, then it specifically states wars, civil wars, or rebellion. Did they really HAVE to put that in their. Any other strange finds glp? Sorry bout my grammar, just a dumb old welder