Juan purchased an insurance policy on his house that did not protect against vandalism or burglary. An arsonist burned down the house. Did the insurance company have to pay

Hi

The insurance company should not pay as it is explained that the insurance policy did not cover against vandalism or theft, and a fire is the product of an act of vandalism.

Explanation:

To avoid this type of problem, there are the multi-risk policies of the home, which offer coverage for damages due to vandalism, to cover the damages caused by malicious intent by third parties. This coverage usually includes damages caused by people other than the policyholder, their relatives, employees or people living in the insured home. Some insurers include damages caused by tumultuarial actions in activities of meetings or demonstrations, as well as the existence of legal strikes, unless the aforementioned actions had the character of a mutiny or popular uproar. But we must consider that not all vandalism situations are covered by insurance, and situations such as graffiti, inscriptions, graffiti drawings are usually not covered, but depend on each specific policy.