As you know, all homeowners policies include personal liability coverage, say $300K. Correct me if I'm wrong, but I thought parents can be held liable for the actions of their minor children.
I did a bit of googling, and came up with the paper at the link below. According to its author, the case law is mixed when it comes to arson by children of policy holders. It seems to matter what the intention was of the arsonists. For example, if they started a fire not intending it to destroy a building, then the damage might be covered. On the other hand, if they set out to burn down the structure, that would be a non-covered "intentional" act.
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Today's Featured Article - The 8N and the Fox - by Zane Sherman. Dec. 13 1998, Renfroe, Alabama. Last niht I dreamed about the day that I plowed the field of about 10 acres over on what Jimmy and Dandy called the Ledbetter field. I was driving the 1948 8N Ford tractor that Jimmy bought in 48 new This was prebably in about 1951 and maybe even befor the house was built. This would have made me to be about16 years old and I drove the tractor for nothing and would have paid to drive it if I had had any money which I didn't, but neit
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