Would insurance cover for damages done by my 5 year old to the seats of a school bus?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 17, 2015

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Insurance Question from Coon Rapids, IA

Asked on 03/17/2015

Would insurance cover for damages done by my 5 year old to the seats of a school bus? My 5 year old was on a school bus and found a ball point pen and poked holes in 2 seats, would damages of these kinds be covered?

Answer given on March 26, 2015

Under the homeowner insurance policy, it includes liability coverage for damages or injuries caused by an insured party. Usually, intentional acts are excluded from the policy. However, if the damage is caused by a minor, under the age of 13, then the homeowner insurance policy will provide coverage for the damages caused.Some homeowner insurance policies have a different limit of coverage for property damage. You will need to review your insurance policy and/or talk to your insurance agent or company to discuss the claim. There is no deductible for this type of claim, however it will count as a claim on your policy, and you could lose a claim free discount on the policy. Determine the amount of damage caused before you talk to your insurance company about a claim. If you present a claim and withdraw it, you could still end up with a charged claim.

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