Under a dwelling policy, which of the following losses would NOT be covered if the dwelling has been vacant for over 60 days?

In the context of a dwelling policy, coverage limitations apply when a property has been vacant for over 60 days. Specifically, vandalism and malicious mischief are typically excluded from coverage during this vacancy period. Insurers impose this limitation because vacant properties may attract vandalism or other forms of malicious damage, increasing the risk for the insurance company.

On the other hand, losses due to theft, fire, and natural disasters are usually still covered under the dwelling policy, regardless of whether the property has been vacant for an extended period. Fire and natural disaster coverage remain in place as they are generally classified as perils that can occur regardless of occupancy. Theft might still be covered as well, as it is not inherently dependent on the property being occupied, although specific terms of the policy might still be relevant.

This distinction emphasizes the importance of maintaining occupancy and conditions that insurers expect to mitigate risks, particularly regarding vandalism and malicious mischief when the property is unoccupied for a prolonged duration.