What Is VMM in Insurance and What Does It Cover?

Vandalism and Malicious Mischief (VMM) insurance is a type of coverage found within property insurance policies. It protects against intentional damage to property caused by individuals who deliberately deface or destroy insured assets.

Understanding VMM Coverage

VMM coverage protects against direct physical damage to insured buildings and personal property resulting from intentional, destructive acts. Vandalism refers to purposeful damage to someone’s property without consent, such as spray-painting graffiti on walls or breaking windows. Malicious mischief involves damage caused by spite or hatred, where the destruction might not have been the primary intent but still results from malicious acts. Both involve intentional injury or destruction of property.

Specific examples of covered damage include structural harm to your building, like damaged walls, roofs, or fixtures from intentional acts. If furniture, appliances, or electronics inside a building are damaged with malicious intent, VMM coverage applies. This coverage extends to other structures on your property, such as garages, sheds, or fences, if they are intentionally damaged. It is distinct from accidental damage, wear and tear, or damage from natural perils, focusing solely on deliberate acts of destruction.

Common VMM Exclusions

VMM coverage does not cover certain scenarios. Damage caused by the policyholder or someone authorized by them, such as a family member or tenant, is excluded because VMM is intended for damage caused by third parties without permission. For instance, intentional damage by a tenant is not considered vandalism under a standard policy.

VMM insurance also excludes damage resulting from theft, which requires a separate theft insurance policy. Losses from war, terrorism, or nuclear hazards are also excluded from most property insurance policies, including VMM. If a property has been vacant for an extended period, often 30 to 60 days or more, VMM coverage may be limited or entirely excluded. Policy wordings vary, and checking individual policy details is important for understanding specific exclusions.

Policies Including VMM Coverage

VMM coverage is a common inclusion in property insurance policies. It is found within homeowners insurance policies, providing protection for the dwelling and personal belongings against intentional acts of destruction. Renters insurance policies may also incorporate VMM coverage to protect a tenant’s personal property within a rented unit.

Commercial property insurance policies include VMM as a standard peril, safeguarding business buildings and their contents. While often bundled, VMM can be an optional add-on or an endorsement to a broader policy. The specific terms and limitations depend on the insurer and the type of policy purchased.

Filing a VMM Claim

When property damage occurs due to vandalism or malicious mischief, filing a claim involves several steps. First, document the damage thoroughly by taking photographs or videos of all affected areas. This visual evidence provides crucial support for your claim.

Report the incident to law enforcement, as a police report is often required by insurers. After documenting and reporting to the authorities, contact your insurance provider as soon as possible to inform them of the incident and begin the claims process. Cooperate fully with the insurer’s investigation, providing all requested documentation and information to facilitate a smooth claim settlement.