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Unoccupied House Insurance During Probate
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Contents insurance available for unoccupied homes
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Short & long term unoccupied insurance
Cover during probate
When someone dies, and has left a will, any executor needs to apply for a grant of probate allowing them to handle the estate of the deceased. This allows the executor to:
collect together all the assets, property and money comprising the estate of the deceased;
make payments to settle outstanding debts and pay taxes due by the estate;
allocate the property, assets and money of the estate to the individuals and parties named in the will; and
arrange appropriate and adequate insurance cover to safeguard the assets and property of the deceased’s estate.
Why do you need specialist unoccupied house insurance during probate?
The need for specialist unoccupied property insurance during probate arises because property formerly owned by the deceased is likely to stand empty and unoccupied during the course of probate. It is also likely to stay that way until the completion of probate – itself a typically indeterminate length of time – has been completed and the eventual future of the property has been decided in accordance with the terms of the will.
Unoccupied properties are notoriously vulnerable to a wider range of risks when there is no one there to spot ongoing needs for repairs and maintenance or to deter intruders such as thieves, arsonists and squatters.
These are risks that make insurers sufficiently nervous and wary to restrict the scope of standard home building and contents cover – or remove it altogether – once the property has been unoccupied for between 45 and 60 consecutive days (the exact interval varying from one home insurer to another).
To ensure that the property remains adequately and appropriately covered by insurance – one of the main duties of the executor – specialist unoccupied house insurance during probate is required.
This restores the usual safeguards against such potentially serious threats as flooding, storm damage, fire, impacts (from vehicles, aeroplanes or falling trees and branches – and typically also provides the vital public liability insurance which the estate may face in the event of any visitor, neighbour or member of the public sustaining an injury or having their own property damaged through any contact with the deceased’s property.
Why choose us at UKinsuranceNET?
Probate is a time when anyone with an interest in the deceased’s property is likely to want the confidence and reassurance of insurance cover from a reliable and trusted provider.
As an independent broker, regulated and authorised by the Financial Conduct Authority (FCA), and compliance with the industry’s code of conduct that comes with our membership of the British Insurance Brokers’ Association, this is just the status, confidence and reassurance we are able to offer.
We take pride in the reputation we have established for providing excellence in the customer service we offer, whether you are discussing your needs with us by telephone or purchasing the cover you need online.