Mississippi Property & Casualty Practice Exam

Vandalism and malicious mischief coverage is generally intended for what type of properties?

1. Commercial properties only

2. Residential properties with additional endorsement

3. Properties primarily used for entertainment

4. Any type of property with a dwelling policy

The correct answer is: Any type of property with a dwelling policy

Vandalism and malicious mischief coverage is designed to protect against damage caused by intentional acts, such as graffiti, broken windows, or other forms of property destruction. This type of coverage is applicable to various properties, including residential, commercial, and those used for entertainment purposes. The broad applicability means that it can be included in policies covering any type of property that is insured under a dwelling policy. In the context of a dwelling policy, which typically provides coverage for physical structures and personal property within, adding vandalism and malicious mischief coverage ensures that the insured property is protected from these specific types of damages, regardless of how the property is used. Thus, this coverage is versatile enough to be beneficial across different property types, making it crucial for comprehensive protection.