Which of the following is NOT typically covered by the Vandalism and Malicious Mischief insurance?

Vandalism and Malicious Mischief insurance is designed to cover damages caused intentionally by vandalism or other intentional acts of destruction. Typically, it includes coverage for acts like graffiti, broken windows, and other forms of damage that result from malicious behavior.

The correct choice—ice and snow weight—falls outside the scope of this insurance because it is generally categorized as a natural occurrence rather than an intent-driven act. Damage caused by ice or snow weight results from environmental factors, which are usually covered under different types of policies or specific endorsements but not under vandalism and malicious mischief provisions.

On the other hand, burglary, smoke damage, and accidental discharge of water can sometimes be linked to malicious acts or incidents that may be covered under a vandalism policy. For example, if damage is done to property in the course of a burglary or if smoke damage results from a fire set intentionally, these scenarios could potentially be included within the coverage of vandalism and malicious mischief insurance.