A house insured under a dwelling policy has been vacant for 70 consecutive days. Which of the following statements is true?

Under a dwelling policy, a home that has been vacant for 70 consecutive days faces specific exclusions regarding certain types of losses. One of the most significant exclusions is related to vandalism and malicious mischief. After a property has been vacant for more than 60 days, coverage for losses caused by vandalism or malicious mischief is no longer provided. This is a standard provision within many insurance policies, emphasizing the increased risk associated with vacant properties.

In this case, the correct statement indicates that loss by vandalism and malicious mischief is excluded due to the property having been vacant for 70 days. This aligns with the intent of insurers to minimize their liability when properties are not actively maintained or monitored.

While fire damage may still be covered and some aspects of personal liability coverage could theoretically remain applicable depending on specific circumstances, the key point here is the vacancy exclusion concerning vandalism, which is a notable risk for empty homes. That is why the correct answer focuses on the specific exclusion applicable to properties that have been vacant for more than 60 days.