When someone dies, an executor is normally named in their will. This might be a solicitor, but might just as easily be you or a trusted friend or family member of the deceased. Up to four people may be appointed to share the duties.
If that is the case, it is important to pay attention to the serious responsibilities that come with your role as an executor. Briefly, these are to:
An executor is given the right to deal with the deceased’s estate through a legal process known as probate.
Like many legal matters, probate may be complicated, especially when it comes to fulfilling your duty to make sure that all the property remains safe and secure. To make matters still more complicated, the property which needs the safety of home insurance may well have been left unoccupied since the deceased’s death.
In that case, although there may have been regular home building and contents insurance in place, this is likely to have expired – or become seriously restricted – once the property has been empty for 30 to 45 consecutive days (the exact interval depends on the terms of the existing home insurance policy which typically varies from provider to provider).
Specialist house insurance during probate gives you the confidence and security that property remains safely covered during the whole period – even when it is left empty and unoccupied.
This helps you to fulfil your duties as an executor by restoring comprehensive protection of the structure and fabric of the building, together with its contents, against such potentially major risks as storm damage, flooding, fire, impacts (from vehicles or from falling objects), vandalism and theft.
Here at UKinsuranceNET, we have developed the expertise and experience of finding the cover needed by executors whilst the property remains in probate.
Even when the execution of a will is a duly assigned to solicitors, we know that family members and potential beneficiaries share a concern to see the property fully and securely protected by the appropriate home insurance after the death of the deceased owner.
Our goal in offering a superior service – whether by telephone or online – is now realised by the tens of thousands of customers who find precisely the insurance cover they need, without paying an inflated price for their policies. For that reason, we have become widely known, and registered with the British Insurance Brokers Association (BIBA), as one of the leading independent brokers in the country to offer bespoke insurance policies – including home insurance for executors
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