Probate Insurance FAQs

All your questions about probate home insurance, answered online
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Probate Insurance FAQs

I have inherited a property that is currently in probate. Do I need insurance?

Why won’t most insurers cover a property in probate?

What if my circumstances change during the time I’m insured with you?

 

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.

Why won’t most insurers cover a property in probate?

A house left empty for more than three months at a time, as can be 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 for.

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.