One of the most common questions we get at the Toedt Insurance Agency LLC, serving the greater Albany, NY area is, "Does my homeowner policy cover vandalism?"
Every homeowner’s insurance policy covers vandalism. This is mentioned in the "malicious mischief" clause in your policy. This kind of damage includes broken windows, graffiti, and damage to property or belongings.
However, not every act of vandalism is covered by every homeowner’s policy unless you specifically request it.
What kinds of vandalism aren’t covered by your homeowner’s policy?
Your homeowner policy typically won’t cover damages from vandalism to a home that has been unoccupied for sixty days or more.
One situation we often encounter is an elderly homeowner who has to go into assisted living and leave their home unattended.
Families who have to move for new jobs before selling their houses may also be exposed to vandalism. Returning home from an extended vacation can sometimes result in unpleasant surprises.
One way to ensure you have coverage against vandalism is to hire a housesitter. If that’s not an option, we can help you get additional coverage from a specialty carrier.
Another thing to consider when insuring your home against vandalism is the value of art, antiques, collectibles, and jewelry.
It would be best to inform your insurance agent about any valuables you want to insure in your home. Create a home inventory of high-value items and get an appraisal for jewelry. Remember, some items increase in value over time.
Take photographs of valuables and store the photos with the appraisals in a secure location. But be sure to bring these items to your agent’s attention when you get your policy.
Toedt Insurance Agency LLC services satisfied homeowners throughout the greater Albany, NY area. Contact us today about your insurance needs!
