Which statement best describes vandalism coverage under the Homeowners policy described?

• A. Vandalism coverage applies regardless of vacancy
• B. Vandalism coverage requires the dwelling be vacant for 20 days
• C. Vandalism coverage is never provided under vacancy
• D. Vandalism coverage is available only with a separate endorsement

Answer: (B)

Vandalism coverage on a homeowners policy can be tied to whether the home is vacant. Some forms set a minimum vacancy period before vandalism losses are covered, reflecting the higher risk of vandalism in a vacant property. The statement that vandalism coverage requires the dwelling to be vacant for 20 days communicates this specific condition: coverage for vandalism becomes available only after the home has been vacant for that period. If the home isn’t vacant long enough, vandalism losses may not be covered, and if it’s always occupied, the rule may not apply. This aligns with how vacancy-related exclusions or conditions are used on some policies. The other options don’t fit that common approach: vandalism isn’t universally guaranteed regardless of vacancy, it isn’t typically something that’s never provided under vacancy, and vandalism coverage doesn’t usually require a separate endorsement in standard forms.