Question: Speth owned a home insured with State Farm Insurance Co. Vandals caused damage to the home. The insurance policy contained an exclusion for vandalism losses that occurred when a house remained vacant for more than thirty consecutive days. State Farm refused to cover the loss because Speth, the sole occupant, was in a hospital for over five months. During that time, the home had been empty of all contents but had an operable alarm system and was serviced by water, gas, and electric utilities. Was State Farm's position correct? (Speth v. State Farm Fire & Casualty Co., 35 P.3d 860)