Mississippi Property & Casualty Practice Exam

For how many consecutive days must a building be vacant for vandalism to be excluded from coverage?

1. 30 days

2. 60 days

3. 90 days

4. 120 days

The correct answer is: 60 days

In property insurance policies, coverage for vandalism can be affected by the occupancy status of a building. When a building is considered vacant for an extended period, insurers often impose restrictions on certain coverages, including vandalism. In this context, a building must be vacant for 60 consecutive days for vandalism to be excluded from coverage. This time frame is commonly stipulated in insurance contracts to protect insurers from the increased risk associated with vandalism when a property is vacant. Properties that are vacant are more susceptible to damage and may present challenges in monitoring and maintaining them. Therefore, if a building is vacant for 60 days, the insurance policy typically excludes coverage for vandalism, meaning claims related to such incidents during that vacancy period may not be honored. This policy is designed to encourage property owners to maintain their premises and avoid long periods of vacancy.