Is felony damage to property covered by a renters insurance policy? Felony damage to property can fall under a number of scenarios; when a thief breaks into your apartment, when vandals deface your car, or when Buffalo Bills wide receiver Zay Jones gets into an outlandish brawl with his brother, Vikings wide receiver Cayleb Jones.
This past Monday night, in a penthouse apartment in Los Angeles, Zay Jones was arrested and charged with felony damage to property. The incident was as bloody as it was bizarre and ended with Zay Jones naked and in handcuffs.
Zay Jones was heard yelling “I’m going to fight for Jesus!” His brother Cayleb reportedly was attempting to stop him from jumping through a window on the 30th floor. Zay ran in and out of Cayleb’s girlfriend’s apartment before kicking through a window in a common area.
While an event of this magnitude is quite extreme, family feuds, unfortunately, aren’t. Domestic violence calls are among some of the most common types of calls that police respond to and can lead to numerous charges, including but not limited to felony damage to property.
Is Felony Damage To Property Covered by My Renters Insurance Policy?
Property damage is when a person is knowingly and recklessly damaging another person’s property and the damages are valued over a certain dollar amount. The dollar amount varies from state to state, and so does the severity of the offense. In some states, this type of offense is only a misdemeanor, while in others, felony property damage is the crime that is charged.
Whether intentional or not, property damage can be small, or quite extensive. In our above example, the window that Zay kicked through in the common area would most likely be the landlord’s responsibility to replace, since individuals do not typically rent out community spaces.
But what if the window he kicked out was inside of his brother’s girlfriend’s apartment instead? What if he bled all over her bed, clothing, and belongings, knocking over vases, pictures and other valuables on his way out the door?
This type of incident would be covered under the vandalism or malicious mischief section of a renters insurance policy. So yes, the same type of coverage that kicks in when a thief or burglar forces entry and damages your door. Even though the damage may not be intentionally malicious in nature, or the point was not to intentionally damage property, it would all be reimbursed under this coverage.
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