The above options...
OR
if you have a trusted friend in game that has an account without a house on it you can transfer it to them and have them transfer it back to you. I do not know if you have to wait the seven days or not if you do the transfer option. I know you used to years ago. If so you can have them set you as co-owner and set everything in the house to co-owner so you can access your stuff until the 7 days are up.
Yeah, I did that when I first started and that was the solution a guildy came up with at the time.
*edit*
Right now house decay is still on hold as far as I know. Have not seen one fall in a little while. But I am willing to bet they will turn decay on here really soon.