Household insurance clause defined in terms such as ‘your home has not been lived for more than 60 consecutive days. Cover is restricted and may be subject to regular visits by the insured as well as central heating being turned off or drained. Under commercial policies the requirements vary, but, as a minimum, cover will not operate if, without the insurer being informed, premises are left unoccupied or unused for 30 consecutive days. Some policies make special requirements as to water supply and may call for minimum temperature 10°C during the winter, or for the services to be shut down.
Insurance Encyclopedia
Unoccupied
A classification of property, referring to property not occupied by people, but may have furniture inside. This is a different classification than vacant, which means nothing inside the property.
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Description of property in which no one is living although it may be furnished or have furnishings. The standard Fire Policy suspends coverage after continuous un-occupancy beyond a specified period of time.
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Where the premises contain contents but no human beings, such persons being temporarily away from the premises, on vacation for example, the premises are said to be unoccupied. This is distinguishable from vacant in that in vacancy, the contents have been moved out leaving nothing but the building.