Does Home Insurance Cover Vandalism?

November 12, 2024

Your home has been vandalized. The first thing you want to know is whether it’s covered by your home insurance.

Vandalism is typically covered by home insurance. If your home has been vandalized, make a police report and start the insurance claims process right away.

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What is vandalism?

Vandalism is the willful destruction of property by a third party — someone who is not listed on your home insurance policy and not a member of your immediate household.

Insurers may also refer to vandalism as “malicious mischief” or “vandalism and malicious acts.”

How does home insurance cover vandalism?

Home vandalism can include graffiti, broken windows or locks, damaged landscaping, arson, egging your house, or damage to the interior of your home. Home insurance typically covers vandalism through the following coverages:

• Dwelling coverage: Covers vandalism to your home and attached structures.
• Personal property coverage: Covers vandalized belongings such as furniture, appliances, or outdoor items like barbecues.
• Other structures coverage: Covers detached structures such as garages, sheds, and fences.

What should you do if your home is vandalized?

If you discover vandalism at your property, report it immediately and begin the home insurance claims process.

• File a police report — vandalism is a crime and a report may be required by your insurer.
• File an insurance claim as soon as possible (many insurers allow this online or through an app).
• Document all damage with photos and videos and create an inventory of affected property.
• Make temporary repairs to secure windows or doors and keep receipts.
• Confirm with your insurer before starting permanent repairs.
• Obtain repair estimates from reputable contractors.

Your Western Coast home insurance expert can answer questions, guide you through the claims process, and help ensure your coverage is applied correctly.

When is vandalism not covered by home insurance?

Vandalism may not be covered by home insurance in certain situations, including:

• If your home is vacant for 30–60 days or longer without notifying your insurer.
• If vandalism is related to a home-based business.
• If the damage is caused by a tenant — rental properties typically require separate landlord insurance.

How to prevent vandalism at your home

Know your neighbours: Neighbours can alert you if they see suspicious activity and help watch your home while you’re away.

Keep your property well lit: Lighting walkways, doors, and entry points can deter vandals.

Make access difficult: Fences, thorny shrubs, and strategic landscaping can discourage vandalism.

Install a security system: Alarm systems, cameras, and motion sensors can reduce the risk of vandalism and provide peace of mind.

Always lock doors and windows: Even short absences can be an opportunity for intruders.

Clean up vandalism promptly: After police and insurers have documented the damage, clean up quickly to discourage repeat incidents.