Dwelling Policy (DP)Pregunta 258 de 474
A dwelling insured with vandalism coverage has stood vacant well past the period the policy allows when vandals damage it. The loss is:
a.Covered, but the insurer pays only half the amount
b.Excluded, because vandalism is not a dwelling peril
c.Covered, since vandalism carries no vacancy condition
d.Excluded, because the policy's vacancy period ran out
Explicación
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.
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