In This state--If a minor trespasses on your property and vandalizes something--Or some punk does what this kid did --
OH YES ---Homeowners insurance is liable.
And they are a corporation (which means they HAVE to hire an attorney)---
if they deny your claim, (their #'s show that 2/3's of the time the mark will just drop it and go away) so you will have to be ardent about knowing where the JP's office is--And what to do when you get there.