[villages07]

Tbugs... I'm sure those with insurance expertise will chime in...but, I believe the definition of unoccupied means that the house is vacant -- no people, no furniture and yes, it does put you into a different insurance category.

If the house still has some furniture and you would have had to go back and forth to check on it during the period it was for sale, you would probably have been OK with insurance.

We bought down here before selling up in MD (Erie Insurance); we had friends/caretakers living in the house until it sold. Even with that, I had to switch to a dwelling only policy and Erie really didn't want to keep me for more than a year. Eventually it sold.