Homeowners Policy (HO)Question 312 of 474
Vandalism or malicious mischief is a named peril, but that coverage is suspended when:
a.the insured has filed a vandalism claim in the past
b.the police make no arrest for the damage
c.the dwelling has been vacant past a set period
d.the damage is done by a tenant of the insured
Explanation
The form withdraws the vandalism peril once the dwelling has stood vacant for more than the stated number of consecutive days immediately before the loss, because an empty house is a far easier target. Whether the police make an arrest has nothing to do with coverage, and a prior claim does not remove a peril from the policy.
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