Terrorism insurance questions

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I own an apartment complex and every year I have the option of adding terrorism insurance to my coverage. I always decline, but I am wondering what you guys do. I admittedly haven't read the fine print on it, so I'm not really sure what I'm missing out on. The reason I have been thinking about it is the rioting going on in Missouri. If something like that happens and they burn the place down would that be considered terrorism or just regular arson?