What Does Unoccupancy Mean?
Unoccupancy is a state or condition of a property, as in a home or a building, of not being occupied by persons but containing furniture and other items. Most insurance companies do not insure a property that is unoccupied for 30 days or more consecutively. The appropriate coverage is an unoccupied home insurance policy, which commands a higher premium because of the greater risks involved.
A home in a state of unoccupancy may also be called uninhabited.