Which term indicates no coverage for properties where individuals are present but with no contents?

The term that indicates no coverage for properties where individuals are present but with no contents is "unoccupancy." In insurance terminology, this refers to a situation where a property might be physically occupied by people, but it lacks personal property or significant furnishings. Many insurance policies have specific terms and conditions around unoccupied properties, typically limiting coverage or excluding certain perils since the absence of substantial contents may affect the risk profile.

Unoccupancy is distinct from being vacant, which usually means that the property has no occupants at all. The term focuses specifically on the occupancy status rather than the absence of contents. Therefore, in the context of insurance, unoccupancy reflects the potential liability and hazard assessments that insurers apply when determining coverage levels for spaces that may not have valuable possessions, even though they might have occupants.