What triggers the exclusion of coverage for damage caused by burglars in a dwelling policy?

In dwelling policies, a specific exclusion is triggered when a property has been unoccupied for an extended period of time, which is defined as 60 days or more. During this time, insurance companies may consider the property to be at a higher risk for losses, such as vandalism or theft, due to a lack of regular upkeep and supervision. This exclusion serves to protect insurers from increased risk associated with vacant properties, as they are more susceptible to damage and may lead to larger claim payouts.

When the policyholder has vacated the dwelling for 60 days or more, any damage caused by burglars falls outside the scope of coverage due to this exclusion. Conversely, a vacancy of less than 60 days does not automatically trigger the exclusion, so coverage may still apply in those circumstances. This understanding is essential for homeowners to manage their coverage adequately, especially if they plan to leave their property unoccupied for an extended period.