What type of loss would NOT be covered by the dwelling policy if the dwelling has been vacant for over 60 days?

In a dwelling policy, coverage typically excludes vandalism, theft, and certain other perils if the property has been vacant for more than 60 days. This is due to the increased risk associated with vacant properties, which may attract criminal activity or deterioration.

In this scenario, vandalism stands out as the type of loss that would not be covered after the dwelling has been vacant for over 60 days. Insurers view vacant homes as higher risk because they are often unmonitored, making them more susceptible to vandalism or theft. As a result, many dwelling policies have specific provisions that limit or exclude coverage for such risks once the vacancy period exceeds 60 days.

Fire damage and wind damage, on the other hand, could still be covered under the policy even if the home is vacant, as these perils are generally not tied to the condition of occupancy. This highlights the importance of understanding the specific terms and conditions of dwelling policies, particularly the implications of vacancy.