The policy covers damages to parts of the insured building and personal property in the property. Vandalism and malicious mischief insurance (VMM) protects the policyholder from losses sustained from intentional acts of vandalism. When looking into insurance coverage options, property owners should seek a comprehensive coverage that lists vandalism and malicious mischief as one of the perils covered.įor example, commercial buildings located in streets with high foot traffic or an area prone to vandalism should consider getting VMM, since the damage can hurt a business’ reputation and incur huge costs in the form of repairs. Most homeowner’s and commercial insurance policies contain vandalism and malicious mischief as some of the risks covered by the policy. Since the structures remain unoccupied for a long period, they are vulnerable to vandalism. VMM insurance is ideal for buildings that remain unoccupied for an extended period and is suitable for churches, schools, and commercial buildings. 
Vandalism and malicious mischief insurance (VMM) is a type of property insurance that covers damages to parts of an insured building or personal property for which the policyholder is responsible. Updated FebruWhat is Vandalism and Malicious Mischief Insurance (VMM)?
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