Vandalism and malicious mischief would be covered if the insured's premises have been vacant for no more than how many days?

Vandalism and malicious mischief are typically covered by property insurance policies, but many of these policies include specific conditions regarding the occupancy status of a property. In Idaho, as in many other jurisdictions, an insurance policy often stipulates that if a property remains vacant for a certain period, coverage for certain risks, including vandalism, may be limited or excluded.

In this case, the correct answer, which states that these incidents would be covered if the insured's premises have been vacant for no more than 60 days, aligns with common insurance policy guidelines. After 60 days of vacancy, many policies consider the risk of vandalism and malicious mischief to be higher, which may result in the insurer limiting or canceling coverage for these types of events. This is why the 60-day stipulation is significant; it reflects a balance between risk management for the insurer and protection for the insured during a reasonable period of vacancy.

Understanding this limit helps homeowners manage their properties and insurance coverage effectively, ensuring that they are aware of their protection options in relation to tenant occupancy and maintenance of the property.