If you’ve named your significant other in your renters policy, your insurer won’t cover the damages, even though they recorded and uploaded their vandalism to TikTok. Suppose your significant other throws your stuff out the apartment’s window, including your valuable PS5. Vandalism Requirement #3: Damage Must Be by Someone Your Policy Doesn’t Cover For example, if your friend tries to smash your iPhone with a hammer for a YouTube video, you can’t make a successful vandalism claim unless you explicitly asked them to stop, and they didn’t. Similarly, if you allow someone to destroy your property, that doesn’t count as vandalism. Accidents are covered under Goodcover’s SUPERGOOD plan. That’s an accident, so it doesn’t fall under the definition of vandalism. If an intruder swings a baseball bat at your flat-screen TV and other house appliances, you can file a vandalism claim.īut if your child spills coffee on your MacBook while watching Netflix or your partner accidentally knocks it off the table while cleaning, that isn’t vandalism. Vandalism Requirement #2: The Damage Must Be Malicious However, damage to your car’s windows, windshield, or doors will fall under your car insurance. It also won’t cover a broken window in your home since that falls under your landlord’s insurance policy.Ĭonversely, if someone breaks into your car and steals your iPad, laptop, or other personal property, your renters policy will cover these items. In other words, if someone paints graffiti on the outside wall of your house, your renters policy won’t cover that. Renters insurance covers you for the parts of the rented property that fall under your responsibility. Instead, their landlord insurance will cover that.īut if the furnishings and appliances within your apartment belong to you, your insurer will cover the damages. If someone breaks in and damages the white fur carpet, your renters policy won’t cover that damage. Suppose you rent a furnished apartment, and everything in it belongs to your landlord. Your claim must meet three requirements for the damage to fall under vandalism: Vandalism Requirement #1: It Must Be Your Propertyįirst, the property vandalized must be personal. Goodcover has vandalism as a “named peril” within its renters insurance policies, which means it’s covered. In fact, we don’t recommend sharing a renters insurance policy with anyone who isn’t a legal spouse. Would their insurance provider cover that damage? No, because technically, it’s his policy too. Suppose he shared a renters’ insurance policy with her. For example, in the TikTok video we referenced earlier, a woman threw her boyfriend’s items – including a PS5, a flat-screen TV, and a mirror – out of their apartment window after his alleged cheating. What about your roommate or significant other? Can they vandalize your property?
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