A homeowner leaves for the winter, shuts the heat off, and the pipes burst. The freezing loss is covered only if the insured:

Explanation

Freezing of plumbing, heating or sprinkler systems is excluded while the dwelling is vacant, unoccupied or under construction unless the insured used reasonable care either to maintain heat in the building or to shut off the water supply and drain the system. With the heat deliberately off, draining is the only route left, so notifying the insurer or buying a larger limit changes nothing.