Does Homeowners Insurance Cover Theft and Vandalism? What’s Covered and What’s Not
Theft of your personal belongings is generally protected under your policy’s personal property coverage, but critical sub-limits strictly cap the payout for high-value items. Vandalism to your home’s physical structure falls under your dwelling coverage, but vandalism to your vehicle in the driveway requires a completely separate auto insurance claim. Without replacement cost coverage, stolen … Read more