This may have nothing to do with snowbirds leaving the house while on vacation. But, my uncle passed away a few weeks ago. His daughter called his house insurance company to ask if any changes needed to be made to the policy as the house would set empty till they settled the estate. The insurance company informed her if the house was going to be unoccupied for over 30 days they would not insure it. Sometimes your afraid to ask. So she went to another insurance company and was able to get it insured, but at nearly double the cost just because it would be unoccupied. Just something to think about.