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Do I have coverage if someone egged my house?
Help! I think some kids egged my house as a Halloween prank. I have home insurance—am I covered?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Oh, no! I’m sorry to hear about your home. Halloween is a very common time for pranks like teepeeing, egging, and general mischief.
Most home insurance policies cover vandalism. Eggs can cause scratches and stains, as well as deteriorate your paint or siding—all of which counts as vandalism.
That said, only an egging that causes significant damage to your home will warrant a claim submission. This is because home insurance policies have deductibles. So if the damage is less than your deductible amount, there would be no reason to submit a claim.
If a claim is warranted, your insurance company and claims assessor will want certain information. They may require you to fill out a police report, and they’ll want to ensure you tried to mitigate the damage. For instance, if you left the eggs to dry for several days and waited to clean it up, your claim could be denied.
The best thing you can do is speak with your home insurance company. They can give you more information regarding whether or not you should submit a claim based on the coverage you have.
If you do submit a claim, consider shopping around for insurance once it’s settled, as your insurance rate will likely go up. Shopping around is the best way to make sure you’re not overpaying.
If you’d like help finding insurance quotes, use
Jerry
. The Jerry app will do the hard work of gathering competitive quotes from top insurance providers and delivering them straight to your phone for free. That way, you can focus on warding off the mischief!”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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