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Can Insurance help Property Owners against vandalism or arson?

Can Insurance help Property Owners against vandalism or arson?


On 15 Nov 2021, some parts of Former Union minister and Congress leader Salman Khurshid’s house in Nainital, Uttrakhand were set on fire by miscreants. According to the caretaker of the house, over 15 to 20 people barged into the property and went about vandalizing the windows and flowerpots. They eventually used diesel fuel to set fire to the gate.

This vandalism came days after the politician’s new book, 'Sunrise Over Ayodhya: Nationhood in Our Times' caused some uproar over its remarks on Hindutva.

Destruction of property by vandals, rioters, and miscreants is increasingly becoming a common occurrence in India due to rising political intolerance.

But, is there a way homeowners and businesses can protect themselves against such losses?

For homeowners, the Bharat Griha Raksha Home Insurance policy can offer coverage against a set of perils known as RSMD, which stands for Riots, Strikes, and Malicious Damage. Under this cover, loss or damage caused due to criminal mischief and vandalism can be covered.

For businesses, Standard Fire and Special Perils, Bharat Laghu Udyam Suraksha, and Bharat Sookshma Udyam Suraksha Fire Insurance policies all offer similar coverage under RSMD.

Any destruction of property during riots, strikes or on account of deliberate malicious damage by third parties can be covered through these policies.

Several people have been charged by the police over the Salman Khurshid vandalism incident.

Instances of buildings getting destroyed by fire are quite common. Read about how a hospital fire caused the deaths of 11 COVID-19 patients

Further Reading

Read about Fire and Allied Perils Insurance in detail here