If a building covered by farm insurance is unoccupied for over 120 days, what happens to the coverage?

In the context of farm insurance, many policies include specific provisions regarding coverage for unoccupied buildings. When a building is unoccupied for a certain period, such as over 120 days, most policies stipulate that coverage is reduced. This is because the risk associated with an unoccupied building increases; for example, there's a higher likelihood of undetected damage, theft, or vandalism.

Reducing coverage by 50% during this time serves as a way for insurers to mitigate the increased risk while still providing some level of protection to the policyholder. This provision encourages property owners to maintain occupancy or secure their property adequately to avoid significant losses when a property is unoccupied.

The other options imply either no change in coverage or an increase in coverage, which is not typically aligned with the risk management practices of insurance policies in this context. Coverage voidance could occur in some cases, but generally, reduced coverage is the standard.