Had this conversation with our insurance gent a couple of months ago and he said if we lived there and was gone for over 30 days it would not be unoccupied because we still lived there. He said that clause was for people that moved out and the house was left empty. He said if we were really gone that long he would recommend having a friend check on it every few weeks but it was needed. I didn't ask for it in writing however. Since I know 2 couples that left their houses for long periods and had pipes freeze and ruin a large portion of their house, regular checks would be good. By the way both house the insurance covered repairs.