Unoccupied

Where the premises is complete with its content except for the human beings, such persons being temporarily away from the premises, as for example on vacation or any other reason, the premises are said to be unoccupied. Premises that are unoccupied or vacant, present a greater hazard and standard fire insurance policies permit unoccupancy of the premises for only a certain period of tie. I f the unoccupancy is going to extend beyond that time, it is necessary to have and endorsement added to the policy. In protected areas, it is not usually difficult to obtain such an endorsement and an additional charge can be expected. It is distinguishable form "vacant" in that in vacancy, the contents have been moved out leaving nothing but the building whereas in unoccupancy, only the persons occupying the premises are not there.