Summary: Although a separate and distinct element of coverage, vandalism is written in conjunction with other coverages, such as fire, lightning, and smoke under standard forms. The forms in use today—dwelling forms, homeowners forms, commercial property forms, and inland marine forms, for example—include coverage of vandalism and malicious mischief losses automatically, as either a named cause of loss or as an unexcluded cause of loss under an open perils type of form.

This article discusses the evolution of the meaning of vandalism through case law.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis