home insurance when not living there full-time?

I am purchasing a new home and will not be residing in the home for three months. However, I plan to travel back and fourth and will occuy the home and move some belongings in several times during that three months. Will I still be covered if there is loss?

Insurance companies all ask if this is your full-time resident. I cannot say yes, since I am not actually living there full-time. So what does one do here? They all say they cannot cover me since I am not actually moved in and residing there full-time.

I know they must cover people, because when I went out to look at houses for sale, over half were vacant, many for months. How are these people insured, or do they just not know if their house burned down, they would NOT likely be covered?

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