Vandalism, excluding theft, is considered intentional property damage and destruction for insurance purposes.
For instance, vandalism could be committed by deliberately breaking the windows of a house with the intention of destroying property; however, burglary would not be considered vandalism.
This kind of insurance is necessary because schools and churches can be targeted during unoccupied hours.
The most common type of vandalism and malicious mischief insurance claim involves damage caused by former partners.
Losses caused by vandalism are not covered for homes that have been empty for more than 60 days; The named insureds of any policy are also not covered for losses.
Damage to personal property and portions of the premises for which you are responsible is included in the risk of vandalism or malicious mischief.
Vandalism occurs, for instance, when someone cuts the tires of your bike that is stored on the property.
Vandalism also includes someone breaking into your home because they think your music is too loud and destroying your stereo. Both would probably be covered misfortunes on the off chance that they met your deductible.
