There are many ways in which a home can be vandalized. Graffiti can be sprayed on the garage door or rocks can be thrown through the windows. If your home has been vandalized, you may find yourself wondering is this is covered under your home insurance policy.
Vandalism is covered under standard home insurance policies. However, in order to file a claim, most insurance providers require you to file a police report for the damage done. Once a police report is filed, you can then file an insurance claim to recoup money to make repairs.
When deciding whether to file a home insurance claim for vandalism, it is important to consider your deductible. Your deductible dictates how much money you will have to pay out of pocket before your insurance kicks in to help. Most people have deductibles that range anywhere from a couple hundred dollars up to a thousand dollars. If one or two windows were broken, and your insurance deductible is $1000, you may be better off paying for the windows yourself, as the windows may not exceed the cost of your deductible. However, if your garage door was heavily damaged and must be replaced, and you only have a $250 deductible, you are better off filing a home insurance claim rather than paying a significant amount of money for the door. Paying close attention to the deductible will help you determine if filing a claim is best for you.
Are you in the market for a new home insurance policy or do you have questions about an existing one? Then give The Select Insurance Agency, serving the greater Coppell, TX area a call today. Our knowledgeable employees can help to answer any questions you have and give you an estimate for a new home insurance policy.