Losses caused by vandalism and malicious mischief are excluded if a dwelling has been vacant for how many days?

• A. 30 days
• B. 60 days
• C. 90 days
• D. 120 days

Answer: (B)

Vandalism and malicious mischief coverage is tied to whether the dwelling is occupied. When a home has been vacant for a period, the policy often excludes losses from vandalism or malicious mischief because the risk increases without occupants or upkeep. The standard threshold used in many homeowners forms is 60 consecutive days of vacancy; once the dwelling has been vacant for 60 days or more, vandalism/malicious mischief losses are excluded. The other time frames listed (30, 90, 120 days) are not the typical cutoff. If the property is occupied, vandalism losses would generally be covered under the policy’s Vandalism and Malicious Mischief provision, assuming no other exclusions apply. Always check the exact policy language, since wording can vary.