How long must a dwelling be vacant for losses caused by vandalism and malicious mischief to be excluded from coverage?

In Ohio, for losses caused by vandalism and malicious mischief to be excluded from coverage in a property insurance policy, the dwelling must be vacant for 60 consecutive days. This provision typically aims to encourage property owners to maintain their properties and minimize potential losses. If a home has been vacant longer than this period, insurers often assess a higher risk of vandalism or malicious mischief, thus justifying the exclusion of coverage for such events. This rule reflects the insurance industry's effort to incentivize property owners to care for their homes and mitigate risks during periods of vacancy. Insurers generally define "vacant" as not having the necessary furnishings or operational utilities to be deemed a livable space. Hence, within the context of the policy standards, 60 days is the critical timeframe that triggers this exclusion.