Homeowners Insurance is most often written on Form HO-3; the Form HO-3 Homeowners Special Form does include damage from the perils Vandalism and Malicious Mischief.
The coverage will apply to the Dwelling and Detached Structures covered by the policy; however, the deductible will apply.
On the other hand, if only Basic Fire Coverage is purchased, sometimes known as 'Fire & Lightning', there would be no coverage afforded for damage caused by vandalism. This would apply to forms HO-1 or DP-1 which are the most basic forms of coverage available for single family residences.
It is important that you review your specific insurance policy to assure that you are certain of what is covered; also, you may contact a company representative for a detailed review of your policy!
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The coverage will apply to the Dwelling and Detached Structures covered by the policy; however, the deductible will apply.
On the other hand, if only Basic Fire Coverage is purchased, sometimes known as 'Fire & Lightning', there would be no coverage afforded for damage caused by vandalism. This would apply to forms HO-1 or DP-1 which are the most basic forms of coverage available for single family residences.
It is important that you review your specific insurance policy to assure that you are certain of what is covered; also, you may contact a company representative for a detailed review of your policy!