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Unoccupied: without occupants, but not devoid of furniture or other furnishings. Vacant: having no tenant or contents; empty, void. The difference between the two is a matter of time and intent.

When it comes to insurance, an unoccupied property is a property that no-one is currently living in, and potentially has been left empty for a prolonged period of time.

A building is considered vacant when less than 31% of its total square footage is occupied. Standard commercial property policies exclude vandalism, water damage, theft, and more when a building is vacant for more than 60 days.

Generally, your home is considered vacant if it's left empty for 30 to 60 days or more. Most typical homeowner policies won't provide full coverage for the property once it's been vacated. Vacant home insurance can be purchased to help.

A property is vacant if there is no one occupying it at the time of acquisition.

Generally speaking, vacant refers to a property that is completely empty – lacking both people and personal items. While the term unoccupied refers to a property that has been left in a state where all items are as if the owners were to return at any point.

A property is vacant when there is no personal property inside the home to allow for someone to live there. If there is a bed, a chair and table where a person could sleep and eat (and it is their intention to return) then it is no longer “vacant.”

In definitive terms, 'vacant' describes a property that is totally empty, meaning that there are no personal items, furniture, appliances or belongings left behind.