Why theft is excluded from holiday home insurance policy coverage?

[Nilesh]

Vishal made a proposal for insurance cover to protect his holiday home property which was occupied on and off during the year. Theft peril is excluded from the cover by the insurance company? Why theft is excluded?

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[Madhura]

It's looks like a question from insurance book/exam!
Answer is in the question -

was occupied on and off during the year

Because it is not occupied whole year, so chances of theft is more, when one occurance is sure then insurer won't cover it.

[Nilesh]

It's looks like a question from insurance book/exam!

You got it right Madhura! Thanks for answering!