The short answer
Vandalism and malicious mischief are HO-3 named perils, but vacancy exclusions (typically 30–60 consecutive days) suspend cover for vandalism, glass breakage, water damage, and theft. Landlord DP-3 policies handle vacancy better with a vacancy endorsement. Squatter removal is a legal cost, not an insurance claim.
Frequently asked
- Does the vacancy clock reset if I stay one night?
- Insurers scrutinize this heavily — 'intent to occupy' plus utility usage matters more than a single night.
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