unoccupied
A building is unoccupied when people are absent.
Additional Information
Two similar terms—vacant and unoccupied—have specific meanings in the language of insurance and are specifically defined in some policies. Many property provisions contain a vacancy provision. A vacant building contains little or no furniture or other personal property. Even if it is not vacant, a building can be unoccupied. The wording in many property insurance policies limits, reduces, or entirely eliminates coverage when a building has been vacant (or, in some forms, vacant or unoccupied) for a designated period of time, such as 45 or 60 days.
