A brick through the sliding glass door. Graffiti. Broken windows. From pranks to civil unrest, your home could be damaged by someone with malicious intent. If this damage is costly, you might find yourself wondering if your homeowners insurance policy will help cover repairs.
The good news is that home insurance policies cover vandalism and typically include damage caused during the course of a riot or civil commotion. Coverage is often available for damage to the dwelling, as well as personal property.
However, not all policies are the same, so you should consult with your insurance agent to ensure that your policy includes appropriate coverage, and to review potential limitations. Keep in mind that most covered losses are subject to a deductible, which is the amount you must pay before insurance kicks in.
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