I bought my house in TV last May. The broker asks if this would be our primary residence. I said no. They gave us a policy which is valid so long as we spend at least three moths of the year here. I’ll check the details again. I think they called it HO3.
Interestingly, I’m british, and it is absolutely the fact that all English policies, only allow 45 or 60 days unoccupied. The only solution, is that 30 years ago, I should have had children. When I asked a broker about a policy that allowed for greater unoccupancy, he said. Lots of people ask for that, you can’t do it.
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