Malicious damage and accidental damage cover

Could anyone kindly give me some guidance on what insurers give good cover for malicious damage and accidental damage?

Is there cover available if a tenant leaves a property in a real mess?

Would each item damaged be subject to a separate claim and therefore each item damaged be subject to an excess fee?

Its a mine field and even reading an insurers policy doesn’t really make it particularly clear!

How could you distinguish between accidental damage and malicious damage, ie supposed a tenant punched a wall for example, or “looks like” they may have punched it?