Answer :
General exclusions to losses contained in all homeowners policies include all of the following except malicious mischief.
Insurance against losses incurred as a result of vandalism is known as vandalism and malicious mischief insurance. The majority of fundamental business and homeowner policies offer this kind of insurance. Losses due to vandalism or intentional mischief are not covered if a home has been unoccupied for more than 60 days in a row.
When no one resides there and a building is largely devoid of the furniture and other personal items required for everyday use, it is considered unoccupied. Additionally, any vandalism perpetrated by an insured is not covered.
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