Property Insurance FundamentalsQuestion 155 of 474
Under the standard HO-3, if the dwelling has been vacant for more than how many consecutive days immediately before the loss, certain perils (including vandalism) may be excluded or reduced?
a.15 days
b.60 days
c.120 days
d.1 year
Explanation
The standard vacancy provision in HO-3 (and DP-3) suspends or reduces coverage for vandalism, glass breakage, water damage, theft, and damage by ice/snow if the dwelling is VACANT for more than 60 CONSECUTIVE DAYS before the loss. Vandalism losses are commonly excluded entirely after the 60-day mark.
Law Reference: ISO HO-3 / DP-3 vacancy provisionThis topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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