It may be that the OP's friends didn't get the whole reasoning from the insurance company. Typically, insurance companies charge a standard rate for an owner-occupied house. They charge a higher rate for a house that is always rented, the landlord rate. They also charge a higher rate for a vacant house, when it is not occupied for several months. Apparently, there are some snowbirds who are not paying the appropriate insurance rate, because they should be charged for the vacant house rate.
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