For Insurance Purposes An Unfurnished House Is Considered. Typically, an insurance company discontinues coverage on a home if it’s unoccupied for a certain length of time. Further, part of the cover sought was loss of rent for up to 12 months:
Generally it’s what could go in the removal van if you moved house, plus things such as carpets and curtains. Unfurnished' is not defined in council tax legislation, but is used for the purposes of the empty homes discount regime and the empty homes premium (section 11a & 11b of the local government finance act 1992). When there are residents in the house it's much safer and less of a risk for insurers as there's someone to limit damage from accidents and prevent vandals from.