My family was in the insurance agency business for decades.
One day one of the longtime insured’s wife went out into the garage and picked up a jerry can of gasoline. She went back into the house and poured gasoline all over the place and then set it on fire.
As she walked out of the front door of the burning house the police rolled up. What they saw was her coming out of the house with the gasoline can. The house burned to the ground.
Did the insurer (AEtna) pay the claim on the destroyed house under their homeowners’ policy? Yes. Why? Because the husband was also an insured who had nothing to do with the fire and the wife had been going to a psychiatrist. $225,000.00.
Interesting.
Yeah, her medical involvement saved them. Otherwise the arson by insured would have been considered a criminal act which (I think) would have justified non-payment of claim.