Which of the following is an example of a loss scenario that a Homeowners policy could cover?

• A. Vandalism after 20 days vacancy
• B. Flood damage from a river flood
• C. Earthquake damage
• D. Loss due to war

Answer: (A)

Vandalism is a covered peril under a standard Homeowners policy, but coverage depends on how long the home has been vacant. If the dwelling has been vacant for more than 60 consecutive days, vandalism losses aren’t covered. Since the vacancy is only 20 days, vandalism would still be covered. Flood damage from a river flood isn’t covered by a standard homeowners policy (flood insurance is separate). Earthquake damage is typically excluded unless you have an earthquake endorsement. Losses due to war are excluded. So vandalism after 20 days of vacancy is the scenario a Homeowners policy could cover.