Under the Homeowners Policy described, vandalism is covered when the dwelling has been vacant for 20 days.

• A. True
• B. False
• C. Only with a rider
• D. Not specified

Answer: (A)

The key idea is how vacancy affects vandalism coverage in a Homeowners Policy. Vandalism is typically a covered peril, but many policies include a vacancy clause that can reduce or remove coverage once the home has been unoccupied for a certain period. In the described policy, vandalism remains covered even if the dwelling has been vacant for 20 days, so the vacancy rule does not yet bar coverage. That’s why this statement is true.

Keep in mind that some policies or endorsements extend or limit this coverage based on longer vacancy periods (such as 30 or 60 days) or remove the exclusion with a rider. Always check the specific vacancy provisions in the policy.