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Home Insurance: Occupied vs non occupied

Selling our house of many decades and downsizing to a rental apartment. Moving out, having work done (paint/new carpet/repairs) to the empty house for a few weeks, then staging and on market. So here is the concern, do I have to change my insurance to non occupied. right away? We will be in an out for a while, but eventually more out than in after it hits the market. I know vacant house insurance is way higher than occupied, so I don’t want to be spending $1000/months when it’s waiting to be sold. (Which, fingers crossed, won’t be too long.) I am going to talk to my RE & insurance agent, but I’m wondering if other people have dealt with this and what they have done. I’m in New England in an HCOL area, low crime, no flooding risk, but obviously things could happen, people could get hurt touring the place, etc. It might be worth it to stay there a couple of nights or get someone to house sit trying to figure it out ahead of time. house will go on market after Labor Day.

submitted by /u/toopiddog
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source https://www.reddit.com/r/RealEstate/comments/1trzxij/home_insurance_occupied_vs_non_occupied/
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