Does renters insurance cover vandalism is one of the clearer questions: vandalism and malicious mischief are named perils on standard renters forms, so damage to your belongings from a break-in that wrecked the apartment is covered, subject to the deductible and the contents limit. The smashed door and the graffiti on the wall are the building, which is the landlord's policy. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What your policy pays
The repair or replacement of your own property damaged by the vandal, at actual cash value or replacement cost depending on the policy, above the deductible and within the contents limit and any sublimits. Stolen items in the same event fall under theft, also a named peril.
What the landlord's policy pays
The door, the windows, the walls, the fixtures and the landlord's appliances. Your liability coverage is not involved unless you caused the damage. Report to the police and to the landlord as well as to your carrier; both policies will want the report.
Exceptions to know
Vandalism by someone you let in or a household member is generally excluded; damage while the unit was vacant for an extended period may be excluded; and the deductible applies per event. The III reports that 5.5 percent of insured homes had a claim in 2022, so most policy years end with nothing paid out and the price is paid for the year something is.
Questions people ask about does renters insurance cover vandalism
Does renters insurance cover vandalism to my belongings?
Yes, as a named peril on standard forms, above the deductible and within your limits.
Who pays for the broken door?
The landlord's policy; the building is not yours to insure.
Do I need a police report?
Carriers generally require one for vandalism and theft claims.