I don't think that you got the correct information from the broker. I live in Canada and am away for 6 months. I am a retired insurance broker so I wanted to make sure that we had the correct coverage. They were well aware of my circumstances and sold me a full homeowners with no exclusions. Normally, at least in Canada, a vacancy permit is only put on a policy if the house is actually vacant, with no intent to return. Most or all of the furniture would be gone, you would have moved away and perhaps the house would be for sale. If there is an intent to return, like you obviously plan to do, the house is considered unoccupied not vacant and a permit should not be necessary. That is how I see things as I sit here 100 ft from the Bay of Fundy waiting for the lobster boat to come in so I can have my supper.
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