Your home may be considered “vacant” or “unoccupied” if it is left empty for 60 or more days.
Home insurance companies have various rules about how long a house can be unoccupied before the insurance is canceled or an endorsement is required. That’s because whenever a residence is empty, the property is at a higher risk for damage. For example, if the plumbing backs up or the roof springs a leak, extensive damage can occur because no one is on the premises to shut off the water or call an emergency repair service.
Contact your insurance agent before leaving town for a lengthy period to make sure you have the unoccupied home insurance coverage you need.