Which term describes the absence of people while property remains?

Prepare for the Iowa Personal Lines Exam. Use flashcards and multiple choice questions complete with hints and explanations. Ensure you're exam-ready!

The term that accurately describes the situation where people are absent from a property, but the property itself remains intact, is unoccupancy. Unoccupancy refers specifically to a property that is not currently being used or inhabited by individuals, yet the physical structure and its contents still exist. This distinction is important in insurance and property management, as it can affect coverage and risk assessments.

In contrast, vacancy typically refers to a property that is not only unoccupied but also empty of personal belongings. Non-occupancy is not a standard term used in this context, while desertion implies an abandonment, suggesting a more negative circumstance than mere absence. Each of these terms captures different nuances regarding occupancy status, but unoccupancy is the precise descriptor for the absence of people while the property remains.

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