What would Nina's insurer consider the act of vandalism to her garage as?

The insurer would classify the act of vandalism to Nina's garage as a peril. In insurance terms, a peril refers to a specific risk or cause of loss that can lead to damage or destruction. Vandalism represents a distinct event that causes harm to property, triggering a potential claim under Nina's insurance policy.

In the context of property insurance, perils may include various risks such as fire, theft, vandalism, and natural disasters. The identification of vandalism as a peril is essential because it helps determine what types of damages are covered under the policy.

While risk refers to the overall chance of loss or damage, and loss describes the actual financial detriment incurred due to an event, peril specifically addresses the cause of that loss. A hazard, on the other hand, is a condition or situation that increases the likelihood of a peril occurring. Thus, categorizing vandalism as a peril reflects its role as an identifiable threat that could harm Nina’s property, making this understanding critical for assessing her insurance coverage.