Does Homeowners Insurance Cover Vandalism?

Vandalism is usually covered by standard insurance policies. It is typically defined as a deliberate act of destruction against your property such as cut bike tires, shattered windows or spray paint on the siding of your property.

If your home, additional structures or personal property are vandalized, homeowners insurance will cover your expenses to fix the damage. When making a vandalism claim, either dwelling coverage, other structures coverage or personal property coverage will cover the damage.

Vandalism is covered under homeowners insurance. If your home is vandalized, MoneyGeek outlines the instances when homeowners insurance policy covers vandalism just like any other covered risk.

For each policy component, a coverage limit is set and will be the maximum amount an insurer will pay out in the event of an insured loss. You will probably have to pay a modest deductible out of pocket. MoneyGeek emphasizes the importance of knowing more about your homeowners insurance policy so you know how your home can be covered and protected against vandalism.

Even when a standard homeowners insurance covers vandalism, there are a few exclusions that vary from insurer to insurer. If you want to be sure you're covered, you may require endorsements to amend or extend your policy.

For example, when your residence is vacant, your homeowners insurance will most likely not cover any damages caused by vandalism. However, you can usually purchase separate vandalism coverage if your house is vacant and you are concerned about it being damaged.

For homeowners, it is preferable to avoid vandalism while still obtaining insurance coverage. MoneyGeek outlines some of the best ways to protect yourself and your home from vandalism.

Homeowners insurance is available from big insurers like State Farm and smaller insurers like Hippo. To find the greatest deal, MoneyGeek recommends shopping around and comparing quotes from several companies.

The average monthly cost of homeowners insurance is $175. However, the amount you pay will be determined by the value of your personal belongings. Use MoneyGeek's personal property calculator to estimate how much insurance you'll need.