Are intentional acts of vandalism covered under personal property coverage in homeowners insurance?

Intentional acts of vandalism are generally excluded from personal property coverage in homeowners insurance because homeowners insurance policies are designed to cover sudden and accidental damages rather than intentional acts. This exclusion reflects the understanding that insurance is meant to protect against unforeseen events rather than actions taken deliberately by individuals.

When someone intentionally vandalizes property, it falls outside the scope of what an insurance policy is intended to cover, as it involves an intention to cause harm. This exclusion helps prevent moral hazard, where individuals might otherwise be incentivized to engage in damaging behavior, knowing they could recover their losses through insurance. Thus, understanding that vandalism of this nature is not covered helps insured individuals recognize the limitations of their coverage.