With all of the talk about insurance, I thought it might be helpful to someone to share a situation with our insurance. Our homeowner's policy does not cover certain things like water damage and break ins/theft if our home is vacant for more than 30 days. I almost didn't notice this in our policy. When we are gone for more than 30 days at a time -- which we do a couple of times a year -- we pay $50 for a rider to cover this. I thought this might be something someone else might not have thought about.