In most instances, a standard homeowners insurance policy won't cover damage to a vacant home. If your vacation home is going to remain unoccupied for weeks at a time, consider unoccupied home insurance, which is designed to provide coverage for unoccupied homes. Unoccupied or vacant home insurance is ideal if you travel for multiple weeks at a time, own a second home for seasonal living, or rent out a second home but are in between tenants.