Under vandalism, which loss is excluded, with an exception for a specific type of damage?

• A. Theft is excluded, except for building damage caused by entry or exit of burglars
• B. All vandalism losses are excluded
• C. Damage by fire is excluded
• D. Water damage is excluded

Answer: (A)

Vandalism coverage is designed to exclude deliberate damage to property, so losses from vandalism or malicious mischief aren’t paid. The nuance here is that there’s an exception: if burglars cause damage while they’re entering or exiting the building, the damage to the building itself from that break-in is typically covered. However, the theft of property inside the building would still be excluded under vandalism.

So the correct takeaway is that theft is excluded, except for building damage caused by entry or exit of burglars. The other options don’t fit because they either imply a blanket exclusion of all vandalism losses or misstate the relationship to other perils like fire or water, which aren’t the specific focus of this exception.