If a home has been vacant for more than 60 days in a row, it is not covered for losses caused by vandalism or malicious mischief.
A building is vacant when no one lives there and the majority of the personal property necessary for normal use is missing.
https://youtu.be/HuATWLltnkg.
Defacement committed by any of the safeguarded is likewise not covered. What’s the significance here?
Consider the scenario in which you live with a partner who is named as an insured on your policy.
They leave when things go wrong, but you don’t change the policy.
This indicates that the policy still covers them. Because it is an intentional act by one insured against another, reimbursement would likely be denied if they return and trash the property.
