A dwelling insured with vandalism coverage has stood vacant well past the period the policy allows when vandals damage it. The loss is:

Explanation

Dwelling forms suspend vandalism and malicious mischief once the building has been vacant beyond the number of consecutive days the policy states, so a vandalism loss after that point falls outside coverage. Vandalism can plainly be insured on a dwelling policy, so the answer calling it unavailable is wrong, and no dwelling form pays a flat half share.