The short answer
Usually, yes. Vandalism and malicious mischief are covered perils in most standard homeowners policies. That means damage someone else causes on purpose, such as broken windows, spray paint or a damaged fence, is often covered, minus your deductible.
The main exception is vacancy. If the home has sat empty longer than your policy allows, the carrier may limit or deny a vandalism claim.
Often covered
- Damage to the house, such as broken windows, doors or siding
- Graffiti or paint on walls and fences
- Detached structures, like a shed or detached garage, under your other structures coverage
- Belongings damaged or destroyed, under your personal property coverage
- Damage left behind during a break-in, with stolen items handled under theft coverage
Often not covered
- Homes left vacant longer than the policy allows, often 30 to 60 days
- Damage by people who live in the home, including family members
- Damage by tenants, which may need a landlord policy instead
- Losses below your deductible
The vacancy rule
Many policies treat a vacant home differently. Wording varies, but if no one has lived in the home for a set period, coverage for vandalism and some other perils may be reduced or removed. This matters if you're selling a home you've moved out of, renovating, or caring for a relative's empty house.
If your home will be empty for a while, tell your agent. Ask whether you need a vacancy endorsement or a separate vacant home policy.
What to do if it happens
- Make sure everyone is safe, then call the police and get a report number.
- Take photos and video of all the damage before you clean up.
- Make temporary repairs, like boarding a window, to prevent more damage, and keep receipts.
- List damaged or stolen items with their approximate value.
- Contact your agent or carrier to start a claim.
Lower your risk
Good lighting, sturdy locks and a visible security camera can discourage vandals. If you travel, ask a neighbor to collect mail and packages, and use timers on lights. Some carriers offer a discount for monitored alarm systems, so ask your agent. Keeping an up-to-date home inventory also makes any claim faster.
