Which policy would likely NOT cover damages caused by vandalism?

The auto insurance policy is the most likely to not cover damages caused by vandalism, primarily because such policies typically focus on damages related to collisions and theft of the vehicle. While some auto insurance policies may have comprehensive coverage that can include vandalism, the general expectation is that they primarily address issues specifically related to vehicle operation and theft.

Homeowners policies usually include coverage for vandalism as part of their protection against various types of damage to the property. Similarly, commercial property policies often cover vandalism to protect business assets. A theft policy, while focusing on loss from theft, can sometimes include related vandalism. However, the nuances of coverage can vary widely, which makes it crucial for policyholders to understand their specific terms and endorsements.

In contrast, the limited focus of auto insurance policies makes it less likely that they would cover vandalism, thus making this the correct answer.