Vandalism and Malicious Mischief

The willful injury or destruction of property e.g., throwing stones through the window of a home and damaging home furnishing would be vandalism and can be insured against by extending coverage of a Fire Insurance Policy.
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Once treated as a separate peril to be added to a property policy or not, current property forms routinely include the protection. While not defined in the policy, vandalism is generally seen to require some intent to cause damage or harm, while malicious mischief requires some level of malice. Children may toilet paper a house intentionally but with no malice an ex-lover may set fire to the bushes with malicious intent.

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