What is the maximum payment for losses caused by theft in a vacant building after 90 days?

In the context of property insurance, particularly concerning vacant buildings, standard policies often include specific clauses that limit coverage when a property has been unoccupied for a certain period. After 90 days of vacancy, many policies typically stipulate that losses caused by theft are not covered at all. This is due to the increased risk associated with vacant properties, which are considered more vulnerable to theft and vandalism.

By eliminating coverage after 90 days, insurers aim to mitigate their exposure to claims that arise from higher risk scenarios associated with vacant properties. Therefore, the correct response indicates that upon reaching the 90-day mark of vacancy, there is effectively no insurance protection for theft losses, aligning with standard practices in property insurance policies.