Take note: Even if you’re a homeowner, vandalism losses (in most cases) aren’t covered if your place has been vacant for a period of consecutive time… in most states this is 60 days but it can vary, so check your policy. Your HOA‘s master policy would come into effect on this one. If someone decides to graffiti your building, your insurance wouldn’t cover it because you aren’t responsible for the outside walls of the structure. Say you’re a condo owner and have an insurance policy on your place.
Longer answer: Vandalism is covered only for damage to parts of the property you’re responsible for, as well as to your personal property. Is vandalism covered by homeowners insurance? However, keep in mind that any vandalism caused to your car would not fall under your renters or homeowners plan, and would instead apply to your auto insurance coverage. Vandalism is a ‘ named peril’ on your insurance policy (both for renters and homeowners), meaning that it’s covered as long as the monetary amount of damages is above your deductible. That means things like smashing a window with a brick, or spray painting a giant smiley face on a garage door. One of the most common property claims, vandalism is defined as damage caused to someone else’s property simply for the sake of causing damage.
GET YOUR QUOTE Definition of vandalism in insurance
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