Condo insurance is essential for owners in Austin, TX. It can help protect you from liability lawsuits as well as various types of damage. However, there are a few exceptions. 

Vandalism Coverage

Most companies include vandalism as a covered peril. However, they won’t cover intentional damage caused by you or your homeowners association. Nor will they cover vandalism to shared amenities, such as a swimming pool. The HOA’s master policy usually covers those areas. 

Always remember that coverage is company-specific. An agent at Armadillo Insurance Agency can help you detemine whether vandalism is covered under your policy. 

Other Things Your Condo Insurance May Cover

Most policies cover damage to the unit itself and personal belongings inside the unit. Some include coverage for temporary housing if you can’t live in your condo due to vandalism. That type of coverage only applies if you can’t live there because of damage; feeling unsafe usually doesn’t qualify you for temporary living expense reimbursement. 

What To Do After Your Condo Has Been Vandalized

There are crucial steps to take after you observe damage due to vandalism. Contact the local police first to file a police report. Then, take photos of the damage while you wait for the police to arrive. You should also contact your insurance agent if you don’t know what to do or how to file a claim. 

Here at Armadillo Insurance Agency, our professional agents can help you learn more about how to file a claim, what damages are covered, and anything else you need to know. We understand how stressful it can be to come home to vandalism, but we’re here for you. Contact us. We’re currently serving the Austin, TX, area.