Household insurance clause defined in terms such as ‘your home has not been lived for more than 60 consecutive days. Cover is restricted and may be subject to regular visits by the insured as well as central heating being turned off or drained. Under commercial policies the requirements vary, but, as a minimum, cover will not operate if, without the insurer being informed, premises are left unoccupied or unused for 30 consecutive days. Some policies make special requirements as to water supply and may call for minimum temperature 10°C during the winter, or for the services to be shut down.