You don't need to tell us if your home or rental property is going to be unoccupied.
However, if your owner-occupied or rental home is unoccupied for more than 60 days, there is an additional long-term unoccupied excess applied to any accidental damage that you may claim for on, or after, day 61. This excess is $1,000 and is found on your policy schedule.
If your home is insured as a holiday home, no additional excess will apply if your home is left unoccupied.