What happens to coverage for property losses if a dwelling has been vacant for 60 days or more?

When a dwelling has been vacant for 60 days or more, coverage for property losses typically faces specific limitations or eliminations. This means that certain types of damages may no longer be covered under the standard homeowners insurance policy.

In the context of the correct choice, coverage being eliminated for specified damages highlights the insurance provider's concern over risks associated with vacant properties. Common losses that may be excluded are those related to vandalism, theft, or certain types of water damage. Insurers recognize that vacant homes may be more susceptible to these risks, and as a result, they impose restrictions to mitigate their potential losses.

The options that suggest all coverage remains intact or only personal property coverage is eliminated do not accurately reflect the common policies in place regarding vacancies. The idea that coverage would shift to liability only is also incorrect, as liability typically remains a separate aspect of coverage that does not solely depend on the occupancy status of a dwelling. Therefore, the elimination of coverage for specified damages during vacancy is a standard practice in property insurance, emphasizing the importance of maintaining an occupied status to retain full coverage.