I have inherited a property that is currently in probate. Do I need insurance?
After a person passes away and their property is in probate, it needs to be valued. This can often mean that the house is left empty for some time, and in this case it should be protected by unoccupied home insurance. The beneficiary is responsible for ensuring that the right level of cover is in place.
Who is responsible for sourcing cover for a property in probate?
When a person passes away and their property is left as an inheritance, it is owned by the beneficiary. If there are multiple beneficiaries then they are co-owners of the property. It is the beneficiary’s responsibility to make sure that the appropriate home insurance is in place. For instance, while in probate the building should be protected by unoccupied house insurance.
Why won’t most insurers cover a property in probate?
A house left empty for more than three months at a time, which is often the case when going through probate, is deemed to be more at risk than other homes. For this reason many insurers are reluctant to get involved. HomeProtect aims to give everyone a competitive quote for home insurance online, regardless of how long your property might be empty.
What if my circumstances change during the time I’m insured with you?
You will need to call our Customer Services team to tell us about the change in circumstances.
Depending on the circumstances a £25 administration fee may be charged. In some cases, you may be due a refund or you may be asked to pay an additional premium amount.
Please note that some changes can also result in the terms and conditions being changed.
We had the sad news that my mother-in-law had passed away and it was left up to the family to sort out her affairs. To our surprise there was no insurance on her house so we felt duty bound to secure the house by covering it with a probate insurance cover. The process was easy and took all the stress out of the situation as there was lots going on. I would highly recommend home protect for this type of cover. Trustpilot, 21 February 2017
A quality presentation of documentation and effective renewal at a similar premium to the previous year. Dealing with a family home which remains empty as owner in a residential home has emotional issues. The manner of renewal made it easier than it might have been. Trustpilot, 6 February 2017
I needed to review my home insurance and found you through the internet. The application form was easy to use and did not take long to complete. The price was very competitive and I managed to save over £170. Thank you. Trustpilot, 25 July 2017