Does Renters Insurance Cover Vandalism?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaThe exterior of the unit is not the responsibility of the tenant. If there is vandalism to the exterior, the landlord is responsible to repair the damage. If somehow, the vandals entered the residence and did damage to the interior, which would be covered under the provisions of most renter’s policies.Answered on June 2, 2014flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482It is a good idea to talk to your Insurance Professional in order to completely understand the terms and conditions of your policy. That having been said, in most standard renters insurance policies, vandalism is included among the covered perils for which you would have protection. Should you ever have to file a claim with your insurance company for this, it would be a good idea to first report the loss to the police and obtain an incident report as your Claims Professional will need to see this.Answered on September 12, 2014flag this answer
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