Does homeowners cover a cracked tv due to an accident caused by a someone else?

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1225534

2026-03-23 02:15

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Probably not, most policies do not have a covered peril for that type of loss. The closest thing would be the peril of vandalism, in which case you would need to file a police report, and would not really pertain to an accident. Their liability insurance may provide coverage for it but then that would increase their insurance rates. Probably will just have to buck up and repair the TV or buy a new one on your own dime.

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