After how many consecutive days of vacancy does coverage for losses from vandalism, sprinkler leakage, building glass breakage, theft, and attempted theft typically become void?

After how many consecutive days of vacancy does coverage for losses from vandalism, sprinkler leakage, building glass breakage, theft, and attempted theft typically become void?

• A. More than 60 consecutive days of vacancy voids coverage for the listed causes.
• B. 30 consecutive days of vacancy voids coverage.
• C. 15 consecutive days of vacancy voids coverage.
• D. No vacancy provision ever voids coverage.

Answer: (A)

Vacancy provisions in property policies reduce or void coverage for certain perils once a building has been vacant for a specified period. In standard forms, if the property remains unoccupied for more than 60 consecutive days, coverage for vandalism, sprinkler leakage, building glass breakage, theft, and attempted theft becomes void. This reflects the higher risk when no one is watching the property. The other options set a shorter vacancy period or claim no vacancy provision exists, which isn’t consistent with typical policy terms. So, more than 60 consecutive days is the correct threshold.

Vacancy provisions in property policies reduce or void coverage for certain perils once a building has been vacant for a specified period. In standard forms, if the property remains unoccupied for more than 60 consecutive days, coverage for vandalism, sprinkler leakage, building glass breakage, theft, and attempted theft becomes void. This reflects the higher risk when no one is watching the property. The other options set a shorter vacancy period or claim no vacancy provision exists, which isn’t consistent with typical policy terms. So, more than 60 consecutive days is the correct threshold.