How many days can the insured's premises be vacant before vandalism and malicious mischief coverage is voided?

In the context of property insurance, many policies establish specific terms under which coverage may lapse or become ineffective if the insured premises is left unoccupied for an extended period. In North Carolina, as well as in many other jurisdictions, if a property is vacant for more than 60 consecutive days, coverage for vandalism and malicious mischief typically becomes void. This stipulation is primarily designed to mitigate the risks associated with vacant properties, which are more susceptible to such damage.

When a property is unoccupied for too long, the insurer may argue that the risks are greater since there are no occupants to detect or deter potential vandalism. Therefore, the 60-day mark serves as a benchmark that insurance policies often reference, allowing insurers to manage their exposure to claims effectively. Understanding this timeframe is crucial for property owners to ensure they maintain coverage and take necessary precautions during periods when the property will be vacant.