Lots of homeowners insurance companies will not cover an unoccupied house. I had homes at the Jersey shore for years and the agents told to to never admit they were unoccupied during the winter or they would cancel my policy. So I lied on the paperwork. Unoccupied house insurance is very costly. Never call your insurer to tell them you have left your home. The downside is that if there is a claim occurrence, they may not pay to cover it if they discover it is empty.
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