Under the Dwelling Program forms, vandalism is not covered after how many days of vacancy?

Vandalism is not covered under the Dwelling Program forms after 60 days of vacancy. This stipulation exists because insurance companies want to mitigate risks associated with vacant properties. As properties sit unoccupied for extended periods, they become more vulnerable to vandalism and other forms of damage, which can lead to increased claims.

The 60-day vacancy period is significant because it allows some leeway for homes that might be temporarily unoccupied, such as during a change of ownership or when a homeowner is away for a short time. However, once the property exceeds this timeline, insurers consider the risks too high, thus excluding coverage for vandalism. It's important for property owners to be aware of this timeframe to take appropriate action, such as ensuring the property is occupied or seeking specialized coverage if the home will remain vacant beyond that period.