Malicious Mischief

What Does Malicious Mischief Mean?

Malicious mischief is a type of peril that involves the intentional destruction of property. While most criminal statutes refer to this act as malicious mischief, it is commonly known to the public as vandalism. Although there may be legal distinctions between the two, they are generally considered the same crime. As a result, property insurance that covers these damages is typically referred to as vandalism and malicious mischief (VMM) insurance.

Insuranceopedia Explains Malicious Mischief

Most homeowner and commercial insurance policies cover damage caused by malicious mischief. However, if a property is frequently unoccupied, the insurance company may charge a higher premium for this coverage. For example, churches may need to pay more for malicious mischief coverage because they are often unoccupied during the week.

Auto insurance policies may also cover damage from malicious mischief through comprehensive coverage, also known as other perils coverage.