Which of the following can cause a homeowners insurance policy to reduce coverage?

A homeowners insurance policy can indeed reduce coverage if the property is vacant for more than 60 days. Most standard homeowners insurance policies contain a vacancy clause that stipulates that if the home is unoccupied for an extended period, the insurer may limit or deny coverage for certain types of losses, such as theft or vandalism. This is because vacant homes are often considered at higher risk for damage or loss due to a lack of regular maintenance and security.

In contrast, regular maintenance typically helps to maintain the integrity of the property and may actually support continued coverage. Filing a claim may influence future premiums or the insurer's perception of risk but generally does not cause an immediate reduction in coverage. Renovating a property, while it might require notifying the insurer for adjustments in coverage, usually leads to an increase in the insured value rather than a reduction. Thus, the presence of vacancy for an extended period is the key factor leading to a reduction in coverage under a homeowners insurance policy.