Halloween is a fun time of year. You have kids (and grown-ups) in costumes, candy and trick-or-treating, and all kinds of fall activities. But there is also the trickier side of trick-or-treating. Vandalism has been a part of Halloween for a very long time. People have been going door to door and looking for treats and threatening misfortune on specific days for hundreds of years. So, it’s not a new phenomenon to find people destroying property on Halloween or the day before Halloween, known as mischief night. But when vandalism becomes destructive, what are your options and are you insured?
Many insurers provide coverage for property destruction as a result of vandalism. This will vary and be dependent on the extent of the damage and your policy. But it is still a good idea to consider a homeowner’s insurance policy that includes vandalism coverage. Or it may be a good idea to ask your insurer if you’re covered.
When it comes to vandalism done to your home, there are harmless pranks that likely won’t need insurance coverage to mend. For example, toilet paper in the tree in your yard or eggs pelted at your front door may be easily remedied with a garden hose and a bit of careful toilet paper removal. But sometimes vandalism goes beyond harmless pranks and becomes destructive. You may find your lawn salted, destroyed, or dug up. You may find your door locks glued. People may do damage to your plumbing, leading to flooding. Windows and lights may be broken. Worst of all, a fire may be started, leading to damage to your home.
It’s a good idea to be prepared for such destructive behavior and have a comprehensive insurance plan that will help you recover and restore your home.
Your vehicle may also be damaged by vandals. Again, a few eggs on your windshield may be easily remedied, but more serious damage can be done to your car. Slashed tires and sugar in your gas tank can lead to some serious bills for repairs and replacements. Like your homeowner’s insurance, it’s good to know if your car insurance plan covers these potential situations.