Is vandalism covered under home insurance?

Homeowners Insurance and Vandalism

Vandalism and riots are typically covered by most insurers under comprehensive risk coverage (UGV). For your own home, vandalism and riots are therefore often included in your home insurance policy. However, when it comes to a vacation home or a vacant property, the terms and conditions are slightly different. In such cases, riots are not always covered, and vandalism is often covered only if there is visible damage from a break-in.

Riots or vandalism?

In the event of damage, the insurer will try to determine how and why the damage occurred. A distinction is made between riots and vandalism. What exactly is the difference between riots and vandalism?

In the case of riots, a group agrees in advance to go somewhere and disrupt the atmosphere. Riots are therefore usually “planned,” and a date is chosen in advance for when they will take place. Vandalism is viewed as accidental damage. Vandalism is therefore usually “unplanned,” and no date is chosen in advance for when it will occur. Damage caused by destruction falls under the category of vandalism.

Appropriate insurance

Many insurers offer coverage against underinsurance. In such cases, you’ll often need to fill out the replacement cost form. Underinsurance occurs when the actual replacement cost of your home exceeds the amount for which it is insured. This can lead to problems in the event of a claim.

Have you been a victim of riots or vandalism, and are you insured through Alpina? You can report your claim online or contact us by phone.