Dwelling Policy (DP)Question 300 of 531
On a dwelling policy carrying vandalism coverage, letting the building stand empty matters because vandalism is:
a.paid at half the loss while the building is empty
b.replaced by open-perils wording during a vacancy
c.unaffected, since vacancy reaches only theft losses
d.suspended once vacancy runs past the stated period
Explanation
Vandalism or malicious mischief is suspended once the dwelling has been vacant beyond the period the form allows, because an empty building is a far easier target; the other perils keep running. The policy does not cut the payment in half. Vacancy is not limited in its effect to theft, which the unendorsed dwelling policy does not insure in the first place.
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Related questions on this topic
- Which of these buildings could NOT be insured under a dwelling policy?
- A builder needs coverage on a house he is putting up, including the lumber and fixtures stored on the site. The usual answer is:
- A dwelling policy is written on a house being built for the owner who will live in it. The Coverage A limit should be set at:
- Gas that leaked inside a dwelling insured on an unendorsed basic form ignites and blows out a kitchen wall. The loss is:
- A propane tank standing in the yard explodes and cracks the wall of a dwelling. A basic form pays nothing for this, but the loss is covered once the insured adds:
- Which peril is NOT part of the extended coverage group added to a dwelling policy?
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