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It has been a long time since I sold a home insurance policy, but what type of carriers insure vacation homes if they are vacant? About 15 years ago I was managing a small Allstate agency and we didn't want anything that went more than 30 days unoccupied? Are there different carriers and/or underwriting guidelines on it? With exotic cars there can be very different types of policies (stated value vs book value), but if someone leaves a home unoccupied for six months, is that business some carriers want?