If the insured's premises have been vacant, for how many days would vandalism and malicious mischief be covered?

Vandalism and malicious mischief coverage in a dwelling policy is typically contingent upon the occupancy status of the insured property. Most dwelling policies have a specific provision that limits coverage for vandalism and malicious mischief if the property has been vacant for an extended period. In standard policies, this period is commonly 60 days.

Therefore, if the insured's premises have been vacant for 60 days or longer, the coverage for vandalism and malicious mischief will generally be voided. This timeframe is significant as it recognizes that properties unoccupied for this duration are more likely to attract vandalism and other forms of damage due to a lack of oversight or maintenance. The limitation serves as a risk management measure for insurers.