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It’s horrible to see your property vandalised, but at the very least you’ll want to be covered by your home insurance. This guide explains what is classed as vandalism and the precautions you should take
Vandalism and malicious damage is intentional harm caused by someone else to your home or its contents.
Those who own or take care of commercial premises such as schools or churches should pay special attention to their insurance cover because the property is likely to be empty for extended periods – and potential vandals know this.
Yes, vandalism is almost always covered by your home insurance policy, unless your provider believes you have been negligent – such as leaving the doors and windows unlocked and open.
The exception that can catch homeowners out is when the property is left empty for an extended period.
If your home is going to be vacant for more than 30 consecutive days, then you won’t be covered as standard on most home insurance policies.
You should talk to your provider about your plans. This may involve extending your policy to include speciality cover over the period you’re away.
They include but are not limited to:
If you’ve been the victim of vandalism or malicious damage, then follow these steps:
You may be able to claim on your car insurance, but only more comprehensive policies are likely to cover you for vandalism.
This is because these types of claims tend to fall under the ‘at-fault’ category, which means the insurer cannot identify another party to recover the costs from.
Read more about non-fault and at-fault claims.
While vandalism can be difficult to prevent, if you can show you have taken reasonable measures – particularly when your property is empty – it should satisfy your insurance company. These include:
If you’re looking for a cheaper deal on home insurance, then the best place to start is MoneySuperMarket. We compare quotes from our leading panel of insurers to find you the best deal. It’s fast, free and simple, and can save you both time and money.
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