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we'll be gone 16 nights in december. anything in the house insurance about leaving it empty?

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we'll be gone 16 nights in december. anything in the house insurance about leaving it empty?
A good answer

Yes, the freezing clause in the policy booklet: damage from frozen plumbing, heating or appliances is not covered while the house is unoccupied unless reasonable care was taken to keep the heat on, or to shut off the water and drain the system. The vandalism and glass limit is for a house vacant more than 60 days and does not apply to a two-week trip.

where's the water shutoff again
A good answer

Behind the panel in the basement bathroom. A January 2024 note says it is sticky.

and does it cover flood if a pipe goes anyway
A good answer

A burst pipe is not flood. The policy excludes flood and surface water and says flood insurance is sold separately; water from a frozen pipe falls under the freezing clause above, so it is covered only if the heat was kept on or the water was shut off and drained.

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about
- house
date2024-01-18 16:10
bodynew water heater in. Dale Hrabowski, 1,875 all in. 50 gal gas, Rheem. set to 120. 6 yr on the tank shutoff behind the basement bathroom panel is sticky
titleFLIGHT to Lagos - leave the house 11:30
details2:15pm out of CMH, connect in Atlanta. passports, yellow cards, visas
datetoday+77d
notifyBy
- sendPush
- sendEmail
Traps it covers

only_in_file The 1% wind and hail deductible ($4,120) is only in the policy declarations and the booklet; Leah's hail note says only "a percent". The booklet is the long document. Two of its clauses matter: the special limit of $1,500 for theft of jewelry (the ring, appraised at $6,800, was never scheduled), and the freezing clause (no cover for frozen pipes while the house is unoccupied unless the heat is kept on or the water is shut off and drained), which matters for sixteen nights away in December.