What term describes a situation where both the occupant and contents have been removed from the premises?

The term that describes a situation where both the occupant and the contents have been removed from the premises is "Vacancy." In the context of property and casualty insurance, a property is considered vacant when there are no people living there and the personal belongings typically found in the property are also absent. This distinction is important for insurers, as vacant properties may pose different risks compared to those that are merely unoccupied or abandoned.

When a property is deemed vacant, it may affect coverage options and premium calculations, as the risk of loss may be higher due to the lack of maintenance and supervision. This is different from being merely unoccupied, where the occupant may still own some contents or intend to return. Understanding these terms helps in assessing insurance coverage and claims.