Does Homeowners Insurance Cover A Vacant Home? 
Vacancy is a gray area . Having said that , a homeowners insurance policy is designed to be owner occupied . Most of these policies will have a clause for vacancy . Generally , it is 60 days . If you do not occupy the home for 60 days or more , and have a claim , the company will have the right to deny it based on the contract . Many times it becomes tough for the homeowners insurance carrier to prove the last time you stayed at the home and some clients truly do n't remember . Each company can have different vacancy clauses - I advise reading yours very closely if you will not be occupying the home . 