We're planning a trip to Alaska this summer. We were planning on being gone for maybe six weeks so I was curious about our home insurance coverages and while looking it over learned that if we're gone for more than THIRTY days continueously, the coverage ends. So I was wondering how many others might have this problem and how you handle it. If you don't have this problem, what company do you have?

Thought I'd gather a little info before I call my agent.

Thanks to all who reply.

Chromepony - When I first read your question, my initial reaction was "no way", but I ran it by my Allstate representative and here's his response....

"Most policies (yours included) have a clause that limits vandalism coverage if the house is vacant for more than 30 consecutive days prior to the loss. Companies will not renew a policy if they find that the home is vacant and unoccupied (no furniture, etc), but they cannot cancel it midterm (except for non payment). So if you guys are out RVing for long periods just make sure someone stops by the home to check on it."

While my Allstate policy says the house can't be vacant (no furniture) AND unoccupied, some policies may say the house can't be vacant OR unoccupied for more than 30 days, so check your policy or discuss this with your agent. Good luck. - Dave

Guess I'm gonna have to contact my State Farm agent when we get back to Missouri. Should be interesting to hear what she has to say about this since my house is without us for these 4 winter months of the year.

Rich - Most RVers don't leave their houses "vacant/bare/empty" when they leave. Empty houses, unlike those who give the appearance of being lived in, are more likely to be a target for vandalism, thus the insurance companies' concern. Allstate does, however, offer separate policies for vacant/empty/unlived-in houses. Good luck. - Dave

PS: You can read more about this at http://www.eldercareteam.com/public/6...

Hey Dutch,

I too have Allstate and had no problem when we were full timing. We had a special policy written on the building at our home base, now it's where our house is located. Anyway, we had built a "big" metal building to house our boat, my motorcycle and my streetrod while we were on the road. I added a nice big carport for our motor home on one end. When we were home, we pulled under it for weather protection mainly to get out of the hot Kansas summer sun. Our agent wrote a policy in such a manner that not only the building itself was covered but in the event we had a catastrophy of some kind while we were parked there, everything was covered. Inside and out. When we were gone the buillding and contents had the same coverage. I think it was written up sort of as a house and contents but I'm not sure. Often times when we were on the road our agent would call us just to see where we were, he knew full well we were gone the majority of the year but everything was still covered.