What happens to coverage against vandalism and theft if the insured building is vacant for over 60 days?

When a building is vacant for over 60 days, many insurance policies, particularly those related to property and casualty, often include a specific clause that limits or suspends coverage for certain risks, including vandalism and theft. This is based on the understanding that vacant properties can become more susceptible to these risks, as there may be fewer preventative measures in place and a higher likelihood of damage occurring without occupants or management present to intervene.

Therefore, once the vacancy period exceeds 60 days, coverage for vandalism and theft not only may become limited but could be entirely suspended, reflecting the insurer's assessment of risk in such situations. This clause serves as a reminder for property owners to maintain occupancy or take specific actions to manage risk in their properties.

Thus, the answer indicating that coverage is suspended accurately describes the insurance policy's approach to managing the increased risk posed by extended vacancy.