Vandalism insurance protects against losses sustained due to vandals intentionally damaging or defacing your property without consent. It is part of most standard commercial and homeowners’ policies. Acts of vandalism may include spray painting; breaking a mailbox or light; arson; cutting a tree or bush; egging your home; or slashing tires. A vacant home may not be covered. Additional insurance can be purchased if it is not part of a standard homeowners’ policy.