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Does renters insurance cover car vandalism?
I woke up this morning to a ton of graffiti all over my car. I’ve already started calling around to see how much it’ll cost to get it removed, but I’m wondering if my renters insurance would cover me since I was at home. Will renters insurance cover car vandalism?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
So sorry to hear about your car! If a vandal damages your car, your renters insurance coverage will only cover vandalism to your personal belongings inside of it.
For example, if you have a bag in the backseat of your car that ends up covered in spray paint, your
renters insurance
will pay the actual cash value or replacement cost of your bag.Vandalism and damage to your car fall under your
car insurance
. That said, you’d only have coverage for vandalism if you have comprehensive coverage
since it covers non-collision-related damages, like theft or vandalism.If you want to explore your options while saving money on renters and car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.View full answer
- Gregory R.
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