What type of insurance covers damage from vandalism and malicious mischief?

Property insurance is designed to protect against various risks that can cause damage to a property, including vandalism and malicious mischief. This type of coverage typically encompasses loss or damage to residential or commercial properties resulting from acts like graffiti, broken windows, or other forms of intentional damage inflicted by individuals.

In many instances, property insurance policies will specifically enumerate vandalism as a covered peril, allowing the property owner to file a claim for repairs or replacement of damaged items. This is crucial for property owners, as damages from vandalism can occur unexpectedly and may lead to significant financial loss without insurance coverage.

By contrast, flood insurance is intended to cover losses specifically related to flooding, and would not protect against vandalism. Workers' compensation provides coverage for employees injured on the job, but does not extend to property damage. Commercial automobile liability focuses solely on incidents involving vehicles used in a business context, which also does not include coverage for property damage resulting from vandalism. Thus, property insurance is the appropriate choice for coverage against the risks of vandalism and malicious mischief.