Does Your Home, Commercial or Auto Insurance Cover Vandal’s Damage?

Splattered across newspapers and social media are recent events that has divided the nation. Protests glorifying white nationalism, counter protests and a random act of anti-Semitism toward a non-profit holocaust museum have highlighted baseless hatred as well as the resulting damage associated with vandalism.

Saddened along with the rest of decent Americans, the insurance industry turns its attention to the need for insurance that protects against these acts.

For average business owners, non- profit executives, homeowners, renters and car drivers, the issue is a burning one. Will indemnity that is in place protect one from “willful and malicious destruction of property”?

If those who inflicted damages are not found or identified, your insurance will cover the expense of repair or replacement – depending of course if the affected property is included in coverage.

First off, let us examine a standard homeowner’s policy.

In general, a standard home policy can shield one from civil unrest damage and vandalism. This is because property and liability protection is included. The one outstanding exclusion is if your home has been vacant for sixty one or more days.
Secondly, comes the business owner’s coverage – or non-profit organization insurance policy.

Standard policies cover the following:

- Your building
- Any fixtures located within or outside of the building
- All permanently installed machinery or equipment
- Outdoor furniture
- Floor coverings
- Appliances, such as a refrigerator, a dishwasher, a clothing washing machine, a clothes dryer, ventilators and so on
- Business personal property that is indoors or outdoors, like a car or van, that is 100 feet away from the building or closer.

For the business owner that experiences a loss of income due to a property restoration or replacement, the policy includes business income coverage. This means there will be reimbursement for loss of income or business maintenance – such as payroll payments, utility payments, mortgage payments and rent payments.

Finally, auto insurance will cover you for vandalism IF you have the appropriate form of the coverage. A comprehensive policy covers restoration as well as replacement charges if your vehicle has been damaged in a protest or other event that is unrelated to a collision. Bear in mind, though, without the comprehensive plan – regardless of any liability, collision, PIP or uninsured or under-insured auto policy you have bought – you will not be covered for anything unrelated to an auto or other vehicle accident.

For more answers to any question about vandalism and how it correlates to your insurance coverage, speak to an experienced independent agent.

What Is MSM and Its Health Benefits

Books have been written on this product which, to many, is a mystery but its health benefits can be amazing. It is Methyl-Sulfonyl-Methane or Organic Sulphur. It is claimed to have tremendous value for a wide variety of physical conditions. This article goes through some of them but because of the amount of information it cannot cover everything. To begin with let’s look at some of its properties.

Minerals are not readily absorbed by the body and no plant manufactures them. That is why they are mined. Plants absorb them, however, and take up sulphur from the soil, which is essential for their growth. When bound to carbon in the plant the body absorbs them. It is important to note that vitamins cannot function without minerals. That means eating a wide variety of foods and supplements to stay healthy.

Humans get MSM from fresh vegetables, meat, fresh fruits, and seafood. Heat applied to these products along with the processing involved in today’s supermarket food reduces the content. It is also depleted in agricultural soils that are abused.

Some reports suggest that people will be sulphur poor unless they eat raw fish and meat and leave vegetables unwashed and uncooked. The levels also decline with age. That is probably another reason why home-grown fruits and vegetables are more palatable, tastier, and, of course, fresh.


a) It forms crucial blood proteins and amino acids by providing chemical bonds to hold their molecular structure together.

b) Provides the chemical link to form collagen in the body. This is the protein found in connective tissue.

c) It is often referred to as the beauty supplement for that reason. It is essential for thick and luscious hair, blemish free skin, and hard, healthy nails.

d) It acts as an activator and synthesiser of thiamine, vitamin C, biotin, and pantothenic acid.

e) Used by the liver to manufacture bile, essential for roper digestion.

f) Essential for maintaining the bodies crucial pH, or acid/alkaline balance.

g) Its stored in every cell of the body with highest concentrations in joints, hair, skin, and nails.

h) Important component of insulin production. Because it plays a significant role in carbohydrate metabolism it is particularly beneficial for diabetics and hypoglycaemias.

i) It is an important element in over 150 compounds in the body, including tissues, hormones, enzymes, antibodies, antioxidants, and amino acids.

j) Sulphur has also been used for centuries as a healing agent, and this list explains why.

The main thing to know is buy it from a supplier that produces the best MSM. Mine comes from a Canadian Company,which is reliable and in my opinion the best. I am reluctant to buy from a local Health Shop as you don’t know the source or how it is prepared.