Does Homeowners Insurance Cover Vandalism? 
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 ! 