How does insurance coverage for vandalism change after a property has been vacant for 60 days?

When a property is considered vacant for 60 days or longer, many insurance policies, including homeowners' or commercial property insurance, typically have a provision that automatically restricts coverage. This is due to the increased risk associated with vacant properties, which are more susceptible to vandalism, damage, and other perils that can lead to larger claims.

In most standard policies, the restrictions may include a reduction in coverage for specific perils like vandalism itself, which may not be covered at all after the 60-day vacant period. This change in coverage reflects the insurer's assessment of risk; vacant properties are often seen as more vulnerable as they lack regular upkeep and monitoring.

This provision is important for policyholders to understand, as it underscores the need for careful management of vacant properties and the potential need for additional coverage or endorsements to protect against losses during extended vacancies.