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Whether or not arson in a vacant building is covered depends on the legal interpretation of the policy.

An arson fire engulfs a vacant house. Will the homeowners policy cover the damage? The typical fire insurance policy excludes coverage for damage caused by vandalism or malicious mischief if the building was vacant for more than 30 days before the loss. Determining whether arson qualifies as vandalism or malicious mischief can be a difficult task.

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