Is Vandalism Included In Your Vacant Home Insurance Quote

At Vacant Home Insurance Now, we want to remind anyone shopping for a vacant homeowners insurance quote to always make sure it includes vandalism. First, many vacant home insurance quotes are limited named perils coverage and vandalism is not even on the list of covered items.

In most cases, vandalism and malicious mischief can be added to the policy, but in most cases it is not standard. Vandalism and malicious mischief is the # 1 cause of insurance claims on empty homes that are not occupied. We provide an "all risk" insurance solution for vacant homeowners insurance so with our programs, one does not need to ask if vandalism is on the list because it's always covered.

However, 99% of the market if you are seeking other quotes, is limited named perils (like fire, wind, hail, lightning, smoke, aircraft, etc) and vandalism may or may not be on the list. If you are willing to take the risk of going with a limited policy, we do recommend you pay the extra premium and get vandalism added back into the policy.

Why this is so important, is vandalism can lead to larger claims that will not be covered without vandalism protection. If kids throw a rock through the window, and that night the area receives a downpour of rain, the $20,000 of damage that could follow to the hardwood and drywall will not be covered because the broken window was the cause (assuming this person did not add vandalims and did not choose an all risk insurance solution!)