What term is used to describe a property that has contents but is not currently being lived in?

The correct term to describe a property that has contents but is not currently being lived in is "unoccupied." This term specifically refers to a situation where a dwelling contains personal belongings, yet the occupants are not present in the home at that time.

Understanding the term "unoccupied" is important in the context of insurance and property management, as it can have implications for coverage. Insurance policies often differentiate between "unoccupied" and "vacant." Unoccupied properties may still be insured under certain conditions, as they have not been stripped of personal belongings, suggesting a potential intent to return.

The other options represent different states of property use that evoke distinct meanings. "Vacant" generally describes a property that is empty and devoid of personal items, indicating no intention to return. "Abandoned" implies a situation where the property has been neglected and the owners have no intention of returning, often associated with dereliction. "Deserted" usually conveys a similar meaning to abandoned but is more informal and can suggest a more sudden or unfortunate exit from the property. Understanding these nuances is key in correctly identifying the status of properties in various contexts.