Aside from arson and burglary, there is no worse scenario for a homeowner than vandalism. All properties are vulnerable to vandalism because there are times when residents are not home. But does your home insurance cover vandalism? Let’s Insure has all the answers.
Insurance for Vandalism
If someone defaces or damages your property, it is an act of vandalism. Most home insurance policies cover this unfortunate event.
When in doubt, contact your insurer for the details of your policy. You can also consult with one of our agents serving San Diego, CA. They will also highlight your deductible and other important details.
Quantifying Vandalism Coverage
The specific amount of coverage for vandalism hinges on your policy’s limits. Your deductible also shapes your coverage amounts.
Your deductible is the amount you must pay out of pocket before your insurance kicks in. As an example, say it will cost $1,500 to clean up the vandalism damage, and your deductible is $200. That means you’ll pay $200, and your insurance company will pay the remaining $1,300.
Document the vandalism using your smartphone’s video recorder function and camera. Take closeup video and pictures of the vandalism with date stamps and send them to your insurer right away.
Check the Small Print
Your home insurance coverage is detailed in a contract. Look at the small print of the agreement and you’ll likely find language about vandalism and coverage amounts.
As an example, most home insurance contracts define vandalism as graffiti, egging, carvings, smashing and similar damage. Even cutting shrubs down or covering the property in toilet paper can count as vandalism.
Get Your Insurance Quote From Let’s Insure
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