What term refers to a building that has no contents, furnishings, or occupants?

The term that accurately describes a building that has no contents, furnishings, or occupants is "vacant." In real estate and insurance contexts, "vacant" specifically refers to a structure that is empty and lacks any belongings or people residing in it. This distinction is important because it can affect insurance policies and risk management strategies.

For instance, insurance companies may have different coverage provisions for vacant properties due to the increased risks associated with them, such as vandalism, theft, or maintenance issues. In contrast, a "habitable" building typically implies that it is suitable for living, which would not apply to a property that is completely devoid of contents and inhabitants. An "unoccupied" structure could suggest that it is temporarily empty but might still contain belongings or be otherwise designated for some future use. "Occupied" clearly refers to a building that has residents or contents in place, which again does not fit the description provided. Thus, "vacant" is the most precise term for a building lacking furnishings, contents, and occupants.