![]() ![]() Vandalism and mischief are described as the intentional injury or destruction of property. How Vandalism and Malicious Mischief Insurance WorksÄue to the risk and frequency of loss, this coverage typically carries a higher deductible for properties that are known to be unoccupied for certain hours of the day, including churches and schools. Vandalism losses are not covered on dwellings that have been vacant for more than 60 days losses perpetrated by any policy's named insureds are not covered either.Damage caused by ex-partners is the type of vandalism and malicious mischief insurance that most often results in a claim.Schools and churches need this type of insurance because they can be targeted during hours when they are unoccupied.Vandalism and malicious mischief insurance is included in most basic commercial and homeowner insurance policies. ![]()
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