Your regular home insurance policy is meant for a home that is lived in. It is based on the premise that someone is coming and going regularly, has lights on at night, and is available to respond quickly to burst pipes, for instance. Without someone living in and maintaining the property, the home faces a higher risk of damage, injury or burglary. Most home insurance policies typically have a 30-day unoccupancy clause. This means if your property is unoccupied for over 30 days, especially if... [read more]