[SCadaddle]

No, I'm not buying that part about "doesn't matter that they are living there" for you to go from rental insurance to vacation home insurance, and I'll tell you why.

My sister passed away in late 2018. I was the Executor of her estate and she left me her small home in a multi-home building in her will. Her long time locally sourced homeowner's policy came due in early 2019 while the estate was still being settled. The local agent let me slide and renew it still in her name since I was the executor. By early 2020 the estate was still not resolved and we renewed the same policy again. Wasn't until late 2020 that the estate was closed and title transferred to me. Early 2021 renewal came due and agent was well informed that since her passing, I had been working on cleaning out and straightening up the home, several times a week, and the home was only 22 minutes from my home. So now the policy needed to cover an "unoccupied dwelling" until it was sold or changed to a rental policy if I decided to rent the home out to someone. Cha Ching. If there is ONE thing the insurance companies don't want it's a home that isn't occupied because no one is there when a pipe breaks. Or it catches on fire. So I don't think going from a rental policy to your family, that is actively living in the home, to a vacation home policy where "you are there several times a year" and the rest of the time it is unoccupied (which it's not) would be any less expensive. I don't think how ever much or little they compensate you in rent would matter.