How to get insurance if you are away often?
I have a lifestyle that entails long trips away, for work or pleasure. I will be buying a very inexpensive house to serve as a home base, and in trying to secure homeowner's insurance, I am asked if the home will "unoccupied". When I say that I will probably be gone for up to 6 months at a time, I am told that the home would be considered "unoccupied", and therefore I cannot get insurance.
Any ideas about this? I have had a few carriers not ask me this question about being "unoccupied", and have not had a problem. Of course, there is always a clause in the contract that states the home shall not be "unoccupied", but for my previous carrier, merely having my stuff inside would suffice for being occupied, even if I did not actually sleep there for extended periods of time.
Certainly, there must be folks who go for jobs overseas or on assignment in the USA who keep their property, but still retain insurance.