Coverage Status: Usually Covered
It depends on the details of the incident. Auto-Owners's coverage for vandalismvaries based on your specific policy terms, coverage types, and how the incident occurred.
Policy-specific answers in minutes
Your data is encrypted and private
Advanced AI analyzes your case
Peak season for vandalism: Halloween & New Year's Eve
Residents in these states typically file more vandalism claims and may face different coverage terms.
Pipe burst in second-floor bathroom while on vacation, causing $45,000 in damage
Auto-Owners covered full repairs minus $2,000 deductible. Quick response and proper winterization documentation helped.
Slow leak under kitchen sink discovered after 3 months, mold damage throughout cabinets
Auto-Owners covered mold remediation but not cabinet replacement due to gradual damage clause. Total coverage: $8,000 of $15,000 claim.
Washing machine hose failure flooded laundry room and adjacent areas
Full coverage approved. Auto-Owners even covered temporary housing during repairs. Key: hoses were less than 5 years old.
Coverage Rate
86%
claims approved
Processing Time
7-14 days
average claim resolution
Typical Deductible
$500 - $1,000
for most policies
Claim Support
1-888-252-4626
24/7 dedicated line
Industry Context: Auto-Owners, founded in 1916 and headquartered in Lansing, Michigan, serves 3 million policies. Their 86% approval rate for vandalism claims is above industry average.
Every Auto-Owners policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes vandalism.
Check My Auto-Owners PolicyBased on recent data, Auto-Owners pays an average of $15,000-$35,000 for vandalism claims, though amounts vary significantly based on damage extent. The 86% approval rate indicates most valid claims are covered. Your deductible (typically $500 - $1,000) will be subtracted from the payout.
Auto-Owners typically processes vandalism claims within 7-14 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through auto-owners.com or by calling 1-888-252-4626.
Auto-Owners requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the Auto-Owners mobile app for fastest processing.
Premium increases vary by state and claim history. First-time vandalism claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. Auto-Owners's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call Auto-Owners at 1-888-252-4626, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered vandalism, Auto-Owners's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.