An insured relocated to another state for work. However, she still owns and insures a house in this state, but has had no one living in it for 3 months. She is also storing some furniture and clothes in the house. From an insurance standpoint, the insured's house is considered:

The safe answer in this scenario is that the insured's house is considered unoccupied. This is because "unoccupied" describes a property that has no residents living in it, but where some items are still present. In this case, the insured has not had anyone living in the house for three months but is still storing furniture and clothes inside, indicating that while the house is not actively being lived in, it is not entirely devoid of personal property.

In contrast, a house deemed "vacant" typically implies that there is no furniture or personal belongings inside. Thus, if the house were considered vacant, it would suggest that it is completely empty, which contradicts the fact that furniture and clothes are being stored there.

The terms "under repair" and "condemned" do not accurately represent the situation here either. A property under repair is one that is currently undergoing significant renovations or repairs and is not habitable, while a condemned property is one that has been declared unfit for human occupation due to safety or health concerns. Neither of these conditions applies in this context since the house is still in usable condition, although unoccupied. Therefore, classifying the property as unoccupied best reflects its current status.