A “civil commotion” is an insurrection of the people for general purposes, though it may not amount to rebellion where there is a usurped power. 2 Marsh. Ins. 798; Boon v. Insurance Co., 40 Conn. 584; Grame v. Assur. Soc, 112 U. S. 273, 5 Sup. Ct 150, 28 I Ed. 716; Spruill v. Insurance Co., 46 N. O. 127.