Which of the following risk terms describes a building in which no one is in, but the occupants intend to return?

The term that best describes a building in which no one is currently present but the occupants intend to return is "unoccupied." This designation indicates that while the building is not actively being used at the moment, there is an expectation that it will be occupied again in the future. This distinction is important in insurance and risk management, as "unoccupied" properties may have different coverage implications compared to "vacant" properties, which typically suggest that no one is expected to return, thereby increasing the risk profile.

In contrast, a "vacant" building implies that it has been abandoned without any plans for occupancy. "Abandoned" generally refers to a more permanent state of disuse with no intention to return, which carries significant insurance implications. "Inaccessible" indicates that the property cannot be accessed, which does not necessarily relate to occupancy status. Understanding these terms helps clarify the risk factors involved and the potential insurance coverage needed for different situations.