What type of insurance specifically includes coverage for damages from incidents like vandalism?

Homeowner's insurance specifically includes coverage for damages caused by incidents such as vandalism. This type of policy is designed to protect homeowners from a variety of risks, including theft, fire, and various forms of property damage. Vandalism is recognized as a peril that can affect a home, and therefore, it is generally covered under the dwelling coverage in a standard homeowner's insurance policy.

In homeowner's insurance policies, coverage for vandalism typically falls under the category of "peril" that protects against direct physical loss to the property. It is essential for homeowners to be aware of this protection because it helps them recover financially from the costs incurred due to repairs or damages resulting from vandalism.

The other types of insurance listed do not universally include vandalism coverage. Auto insurance is focused on vehicles and may include coverage for vandalism but only as a part of comprehensive coverage. Commercial insurance is aimed at businesses and may cover vandalism, but it varies widely based on the specific policy. Business liability insurance primarily protects against claims of bodily injury or property damage that a business might be responsible for, without necessarily covering damages to the property itself from incidents like vandalism.