Unoccupied

What Does Unoccupied Mean?

Unoccupied means there is no clear human presence in a property. However, other materials, such as furniture, may still be present. The occupancy status of a building is an important distinction for property insurance, as many policies exclude coverage for unoccupied properties.

Insuranceopedia Explains Unoccupied

There is also an important distinction between vacant and unoccupied. A vacant building contains no belongings or items—it is simply empty. In contrast, an unoccupied building, as mentioned earlier, may still contain furniture or other items. Just as there is a key distinction between occupied and unoccupied properties for insurance purposes, the same applies to vacant versus unoccupied properties. Some property insurance companies will cover unoccupied properties but exclude coverage for vacant ones.