What does Vandalism and Malicious Mischief coverage include?

Vandalism and Malicious Mischief coverage specifically addresses losses and damages that occur as a result of intentional acts of vandalism. This type of coverage is designed to protect property owners from the financial impact of someone deliberately damaging their property. It includes compensation for repairs and the restoration of property that has been damaged due to malicious acts, differentiating it from other common perils that may be covered under a standard homeowner's policy.

Basic peril coverage for losses due to vandalism includes incidents such as graffiti, broken windows, or any kind of damage caused by the intentional actions of another party. This coverage is crucial for ensuring that property owners are not left with the significant costs associated with repairing or replacing property that has been deliberately harmed.

In contrast, options related to theft, weather-related damages, or personal liability claims cover different aspects of property protection and are not included within the Vandalism and Malicious Mischief coverage. Each of these other areas has its own specific protections and coverage requirements distinct from the intentional acts covered under vandalism.