What term describes the absence of both people and property from the premises?

The term that describes the absence of both people and property from the premises is "vacant." In the context of insurance and property management, a "vacant" property means that there are no occupants or belongings present. This condition can impact insurance coverage, as policies often specify different terms and conditions based on whether a property is vacant or merely unoccupied.

"Unoccupied" typically refers to a property that may have no people living in it but still contains personal belongings, which differentiates it from a vacant property. "Idle" generally refers to a state of inactivity or a temporary pause in usage, and "desolate" often carries a connotation of abandonment or bleakness, but does not specifically refer to the absence of people or property in the insurance context. Thus, "vacant" is the correct term that accurately captures the scenario described.