What does the term "Malicious Mischief" refer to in insurance coverage?

The term "Malicious Mischief" in insurance coverage refers specifically to intentional damage caused by others. This type of coverage is typically designed to protect property owners from harm inflicted deliberately by a person, often resulting in vandalism or destruction of property. It is distinct from accidental damage, which would not fall under the definition of malicious mischief since accidental actions lack intent.

Understanding this concept is crucial for recognizing different types of insurance coverage and the nuances involved in claims related to property damage. Malicious mischief usually requires clear evidence of intent to damage, distinguishing it from occurrences such as natural disasters, which are covered under different policies, and regular wear and tear, which is typically not covered due to being a part of the normal lifecycle of a property.