Question

An insured relocated to another state for work. However, she still owns and insurers a house in this state, but has had one living in it for 3 months. She is also storing some of furniture and clothes in the house. From an insurance standpoint, the insured's house is considered?A. Occupied

- B. Unoccupied
- C. Vacant
- D. Abandoned

Answer 1

From an insurance standpoint, the insured's house is considered Unoccupied because it has furnishings and personal belongings, indicating intent to return, which distinguishes it from being vacant or abandoned.

Step-by-step explanation:

The insured's house would be considered B. Unoccupied. The distinction between unoccupied and vacant is important in the context of insurance. An unoccupied property is one that is ready for use with furniture and other personal belongings present, but no one is currently living in it. This fits the situation where furniture and clothes are present in the house, indicating intent to return or continue use at some point.

On the other hand, a vacant property has no personal belongings and is empty, which is not the case here. A house is considered abandoned when an owner surrenders possession and has no intent to return. Since the owner still maintains insurance and stores belongings there, the property does not meet this definition either