However the reason it's so cheap is my great grandmother bought me a life insurance policy through AAL (Trident financial) some lutheran church thing. Anyways I'm a member of AAL so my family and I get huge discounts on insurance. You guys will really call me stupid when I tell you If I wanted I could get full coverage (theft, fire, collision, etc) for I believe ~250 every six months with a 500 dollar deductible. But to answer your question yes I have liability as well as theft which I believe includes vandalism, w/o collision.