you're probably right that it depends on the specific coverage. I recently moved to an apartment with an access controlled garage so I did some research to see

you're probably right that it depends on the specific coverage. I recently moved to an apartment with an access controlled garage so I did some research to see how this would affect my premiums. in general I found that it doesn't do much for your overall premiums. I don't think my car insurance offers vandalism protection specifically, although I certainly hope it falls at least partially into some other category! I can certainly imagine that the company would change the price of that specific coverage quite a bit depending on where the vehicle is parked.