Is vandalism covered by homeowners insurance?

Property insurance and vandalism

Vandalism and riots are co-insured with most insurers as of the extended comprehensive coverage (UGV). For your own home, vandalism and riots are therefore often included in the buildings insurance. However, if it is a vacation home or an unoccupied house, the conditions are slightly different. Riots are not always insured and vandalism is often only insured if there is visible damage from burglary.

Rioting or vandalism?

When damage occurs, the insurer will try to find out how and why damage was done. A distinction is made here between rioting and vandalism. What exactly is the difference between rioting and vandalism?

In riots, a group agrees in advance to go somewhere to ruin the atmosphere. Riots are thus usually "planned" and a date is chosen in advance when it will happen. Vandalism is seen as accidental damage. Thus, vandalism is usually 'unplanned' and no date is chosen in advance when it will happen. Damages caused by vandalism fall under vandalism.

Appropriate insurance

Many insurers allow you to insure against underinsurance. Often you have to fill in the reinstatement value meter. There is underinsurance if the actual reinstatement value of your home is higher than the value you have insured. This can cause problems in case of damage.

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