what s not covered 
vandalism or malicious mischief losses are not covered if a dwelling has been vacant for over 60 consecutive days 1 a structure is vacant if no one is living there and it s substantially empty of the personal property necessary for normal use vandalism committed by any of the insured is also not covered what does this mean imagine that you live with a partner who is a named insured on your policy things go south and they move out but you neglect to have the policy rewritten that means they re still insured under the policy if they return and trash the place reimbursement would likely be denied because it s an intentional act committed by one insured against another 