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It doesn't matter how long you live in the home. What matters is how long it is vacant (empty and without furnishings) or unoccupied (no one residing there but where all the furnishings remain). You need to read your policy or discuss this with your agent. Some policies can be VERY restrictive when it comes to vacant dwellings. You don't want to find out AFTER a loss that you have no coverage. Talk to your agent......that's what they are being paid for.

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Q: How long must you live in a residence for it NOT to be considered vacant or un-occupied?
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