In New London County Mutual Insurance Company v. Zachem, 145 Conn. App. 160 (2013), the Connecticut Court of Appeals was called upon, as a question of first impression, to decide if coverage existed when vandalism resulted in an explosion and fire that destroyed the property.

The defendants were the owners of real property located on Route 2 in Preston (premises). A single family house and a freestanding garage were located on the premises; the defendants maintained the house as a rental property. The plaintiff issued an insurance policy to the defendants that included coverage for the house and the garage.

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