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Returning From Vacation to a TRASHED Home

Returning From Vacation to a TRASHED Home

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 You’re soaking up the sun on vacation when a neighborhood teen decides your empty house is the perfect spot for a party. The result? Broken furniture, trashed rooms, missing valuables—and a big insurance question.

In this episode of Is It Covered?, hosts Bruce and Brian Chapman are joined by Trevor Chapman (President of JD Chapman) and longtime agent Kevin Musi to break down a real-life “vacation vandalism” scenario. From property damage to stolen items and even liability if someone gets hurt, we explore how your homeowners policy might respond—and where gray areas can trip you up.

✓ How vandalism coverage works under a homeowners policy
✓ When valuables like jewelry or collectibles require extra coverage
✓ Why liability protection matters, even when you’re the victim

Whether you’re a homeowner, an insurance agent, or just curious about how coverage works when things go wrong, this episode will change the way you think about leaving your home unattended.

🎧 Listen now—and learn why good neighbors, the right coverage, and an umbrella policy might save you from a post-vacation nightmare.

Have a claim scenario you want us to cover? Email Brian@jdchapmaninc.com

#InsuranceClaim #HomeInsurance #Vandalism #VacationGoneWrong #JDChapman #IsItCovered
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