How long does a house have to be empty to be considered vacant?

How long house has to be empty to be considered vacant in Australia is generally 60 to 90 days continuously unoccupied with no one living there, according to standard home building insurance PDS from NRMA, Allianz, Budget Direct. Vacant or unoccupied defined as no one living overnight for 60 days, with some insurers 60 days, others 90 days, after which cover reduces or policy may be cancelled, with theft, water damage and vandalism often excluded after 60 days. For example, NRMA building insurance states if home unoccupied for more than 60 days, you must notify them, otherwise theft and water damage not covered, and after 90 days policy may be void. Allianz similar 60 days, Budget Direct 90 days. For landlord insurance, unoccupied after 90 days without tenant considered vacant and requires vacant insurance. For holiday homes, if you visit every 30 to 60 days and maintain, may still be considered occupied if you have furniture and someone checks weekly. So house empty for 60 to 90 days continuously considered vacant or unoccupied, requiring notification to insurer and possibly specialist vacant insurance $1,500 to $2,500 per year versus $1,200 to $1,800 occupied, with weekly inspection required to maintain cover, otherwise claim denied for theft and water damage.