We have an insured that has the DP 00 03 12 02 policy form. It had appliances hooked up to the home and a renter was going to move in sometime in the next couple of weeks. The unit had not had a renter since January though so it had been more than 60 days since someone lived there.

 They had a vandal throw a firebomb through a window. The home suffered minor fire damage and moderate smoke damage. In reading the policy on page 6, it states there is no vandalism coverage if vacant for more than 60 days. I have two questions for coverage on this one.

 1. Would this even be considered vacant?