Property Insurance FundamentalsQuestion 240 of 474
A furnished house whose owners have been travelling for two months is best described as:
a.abandoned, since the owners left it
b.vacant, because the furniture stayed
c.unoccupied, since the contents remain
d.vacant, since nobody has been living there
Explanation
Unoccupied means people are away while the property stays furnished and the owners intend to return; vacant means the building is empty of both occupants and contents. Because the furnishings are still in place the house is unoccupied, and that matters because forms restrict certain perils once a building has stood vacant. Abandonment means giving up all claim to the property.
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