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unoccupied

A building is unoccupied when people are absent.

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unoccupied

A building is unoccupied when people are absent.

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Two similar terms—vacant and unoccupied—have specific meanings in the language of insurance and are specifically defined in some policies. Many property provisions contain a vacancy provision. A vacant building contains little or no furniture or other personal property. Even if it is not vacant, a building can be unoccupied. The wording in many property insurance policies limits, reduces, or entirely eliminates coverage when a building has been vacant (or, in some forms, vacant or unoccupied) for a designated period of time, such as 45 or 60 days.

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