[rockfan4]

Almost a year ago, I bought a house about 3 1/2 hours from us, so my stepdaughter and her husband could live there, and so, as my wife put it, "Our granddaughter doesn't grow up in a sh**hole". At the time we insured it as a rental, even though what they're giving us is nowhere near market rate, and just barely covers expenses with a little left over if something needs fixing.

This year I want to shop around a bit for insurance, especially since the company we have it with has raised the rate another $100. One of the agents says since we are at the house several times a year, we can insure it as a vacation home rather than a rental. He said it doesn't matter that they're living there. Does this sound legit? I'm all for saving a few bucks, but if a claim gets denied, then that's no good.

Thanks in advance.