For how many days can a home remain vacant under the TDP 2 policy to receive full insurance?

Under the Texas Dwelling Policy (TDP 2), a home can remain vacant for up to 30 days and still receive full coverage under the insurance policy. If a property is unoccupied for longer than this timeframe without proper provisions or adjustments to the policy, coverage may be limited or denied for certain types of losses. Insurers typically have guidelines that dictate how long a property can be vacant before the risk becomes too high for full coverage to be maintained. This provision encourages homeowners to keep their properties occupied or notify the insurance company when they are vacant for more than the stipulated days, ensuring appropriate measures can be taken to protect both the homeowner and the insurer from increased risks associated with vacant properties.