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I don't know how it works in Canada, but in Minnesota the vandalism would be classified under the "comprehensive" portion of your policy. As such they should not and probably will not hike your rate. Just calling and asking to find out doesn't hurt.
Cameras are nice but unless its a professionally installed system, it will be a waste of money. You need a big buck system with heated lelements for cold temps and the ability to go ultra low light. The system needs to be totally passive and always on with continuous hard disk/tape record, and even then you need a clear head shot of the "perp" and only then may you have in a very remote chance of indentifying anyone.
Get a German Shepard.
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'84 Carrera Coupe
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