Theft/Vandalism

Waking up one morning or coming home from a vacation to suddenly discover your home has been vandalized or damaged is every homeowner’s nightmare. Most would assume that the homeowners’ insurance policy they’ve been faithfully paying each month would cover the damage, but what is and isn’t covered under a vandalism damage claim can be tricky to determine. In addition, many insurance companies will interpret policy rules and laws to find any loophole to make sure they don’t have to pay or to minimize the amount of damage they have to pay for. You may be wondering, “Does my homeowners’ insurance policy cover vandalism or property damage?” Many times, basic homeowners’ insurance policies will not cover vandalism claims unless you have specifically added it as a “named peril.”