How long can a property typically remain vacant before coverage is affected?

The correct answer is that a property typically remains covered for a period of up to 60 days before coverage may be affected when it becomes vacant. In the context of insurance policies, a property is considered "vacant" when it is not occupied, and certain risks are higher when properties are left unoccupied, such as vandalism, theft, or damage that may go unnoticed.

Once a property has been vacant for more than the specified 60 days, many insurance policies will either limit coverage for certain types of losses or will not provide coverage at all. This timeframe helps insurers manage their risk, as vacant properties are often viewed as a higher liability.

For policies with shorter or longer periods of grace, it's essential to review the specific terms and conditions, as they can vary widely depending on the insurer and the type of policy. Understanding the 60-day rule is crucial for homeowners and landlords to ensure they have appropriate coverage while their property is unoccupied.