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Hello and welcome! My name is ***** ***** I will try my level best to help with your situation or get you to someone who can.
I think some portion of your facts are missing because your question reads like you have already posted some amount of information that is missing..
I don't have any information about a "second home rider" so as to know what you are talking about... I can surmise based on your later comments that it has something to do with an owner occupancy restriction, but other than that, I am not sure what the issue is...
So I need the rest of the back story to figure out what is going on here...