insurance when - holiday house; hobby farm; o/s

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have raised this issue before about a house unoccupied when renovating and didn't get much feedback at the time
in the owner builders forum:
http://www.renovateforum.com/f225/in...cupied-107479/ (http://www.woodworkforums.com/!107479!http://www.renovateforum.com/f225/insurance-when-unoccupied-107479/)

but got to thinking about how do people insure:


holiday homes (that aren't let out)
hobby farms (that are only visited occasionally)
empty homes when you are overseas for extended periods (and not rented out)



I am vary wary of insurance companies that might accept yr premium but then find something in the fine print (as I have done when reading the full policy)


Read the full thread at RenovateForum.com... (http://www.renovateforum.com/f85/insurance-when-holiday-house-hobby-farm-o-s-114568/)