Switching Insurance Policy from Landlord Package to Second Home

My wife and I are separated and she has been living in our investment property for several months. Since it is no longer being rented, I need to switch the insurance policy from a landlord's package to a second home. My insurance agent has indicated the rate will likely be more, but I think it should be less considering the home will be occupied full-time by one of the home owners. My understanding is that the reason the rate is higher for a second home is because it is typically occupied only a fraction of the year and there is no one around to ensure nothing happens. I feel my coverage should be less than my landlord's package because as a homeowner, my wife is going to be more cognizant and responsible, not to mention I am over there several times a week.