Malicious Mischief

Malicious Mischief

If you’ve raised, or are currently raising, a teenager, you know just how spontaneous and chaotic it can be. You were also a teen once. Now that you’ve got kids of your own, you feel bad for all the hell you caused your parents growing up. Now, you get it.

Teenagers have a mind of their own. As much as we try to guide them in the right direction, parents can’t always be there to make sure their kid is making the right decision. Sometimes, it ends badly. We’ve all been there, right? Have you ever had an idea that seemed great at first, and ended up being a mistake? When you’re a teenager, everything feels like an awesome idea until it ends badly. Then, lessons are learned. Hopefully.

Teenagers are mischievous until they learn. They can end up doing stupid things, like throwing a house party or egging their least favorite teacher’s house. Are you, as a parent, responsible for the destruction your child makes to another’s property?

Insurance is there to help us when accidents happen. But what happens when the damage wasn’t exactly an accident–it was done intentionally? The truth is, in some cases, insurance is there to help when malicious mischief occurs. Vandalism is intentional damage caused to another’s property. Mischief is essentially the same thing; only the damage is unintentional. For example, a child may egg a house without realizing the damage the eggs can cause. Some kids may initially think an activity is harmless.

On many homeowners insurance policies, there is coverage for “malicious mischief.” Some homeowners policies may require that you add this coverage as an endorsement. If your teenager causes damage to another person’s property, you may be held liable for the cost to replace the damaged property. When you’re young, it’s hard to recognize the extent of the damages caused by mischief because young people are not yet working hard to earn their money. Attempt to discuss the value of buying something with hard-earned money to instill a sense of respect for your property in your teen’s mind.

Often, malicious mischief inclusions are important for properties that are unoccupied for lengths of time, such as a vacation home. The risk to insure these properties is higher because the frequency of claims is more likely to be higher than a property that is consistently occupied. For these properties, the deductible is higher. Vandalism is not covered in homes that have been vacant for up to 60 days or more. Also, if the insured is the person committing the vandalism, the damages are excluded from the policy.

If you have misbehaving teens, try asking your independent agent if your homeowners policy has coverage for their uncontrollable behavior.

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

What is Decreasing Term Life Insurance?

Is Decreasing term Insurance Right For You? Would You Know?

Three Ways Life Insurance May Help Pay For College

How Life Insurance Can Play a Role in the Education of Your Child

Life Insurance as a Gift

Who Do You Know that Can Benefit?

What it Takes to Qualify as a Beneficiary

Do you have the right person as the beneficiary on your life insurance policy? Here’s who you should consider and when you may want to consider a change.

Unique Benefits of Life Insurance You May Not Be Aware Of

There’s More to Life Insurance Than You May Realize

What You May Need to Know About Filing a Life Insurance Claim

Filing a life insurance claim can be a relatively smooth, hassle-free process when you know the steps to take. Learn more in our latest blog.

When Should I get Life Insurance on My Child?

Reasons to Get Life Insurance on Your Child ASAP.

Beyond Life Insurance: Other Death Benefits for Which You May Qualify

There May Be Multiple Resources for Benefits Upon the Death of a Loved One

Situations When Term Life Insurance May Be the Best Solution

Term Insurance is a Flexible and Affordable Choice

What is “Double Indemnity”?

Life Insurance Can Have Confusing Terms. This Should Not One

Leave a Comment