what is covered 
vandalism is damage done to someone else s property simply for the sake of causing damage it is one of the most common property crimes malicious mischief is similar though the damage may not have been intended some situations like egging a house straddle the line depending on the outcome the peril of vandalism or malicious mischief covers damage to parts of the premises for which you re responsible as well as to personal property if for example someone slashes the tires of your bike which is stored on the property that s vandalism if someone thinks your music is too loud and sneaks into your home to destroy your stereo that too is vandalism both would likely be covered losses if they met your deductible 