Probate Home Insurance
Unoccupied Probate Property Insurance
Ideal For Executors or Law Firms
No inspections required
No minimum or maximum timescale
No administration or cancellation fee
What Is Probate Home Insurance?
Probate home insurance, also known as vacant home insurance, is a specialist type of insurance designed to protect properties that are going through the probate process. When a property is in probate, it often sits unoccupied for an extended period, making it vulnerable to various risks such as vandalism, theft, fire, and damage from weather events.
Probate home insurance provides coverage for these unique risks, ensuring that the property remains protected until it is transferred to its new owner or sold. It offers peace of mind during a challenging time, allowing you to focus on settling the estate without worrying about the property's safety. The insurance is generally put in place by the executors dealing with the Grant Of Probate and estate administration.
Key Features of Probate Home Insurance
Vacant Property Coverage: Since probate properties are typically vacant, standard homeowners' insurance policies may not provide adequate coverage. Probate home insurance fills this gap by specifically covering vacant homes.
Vandalism and Theft Protection: Properties left unattended can attract unwanted attention. Probate home insurance safeguards against vandalism and theft, helping you avoid costly repairs and replacements.
Fire and Weather Damage: Natural disasters and severe weather events can cause significant damage to an empty property. Probate home insurance covers repairs and rebuilding in case of fire, storms, and other weather-related incidents.
Liability Coverage: If someone is injured on the property during the probate process, you could be held liable. Probate home insurance can include liability coverage to protect you from legal and medical expenses.
Flexible Terms: Probate can be a lengthy process, and insurance needs may change over time. Our probate home insurance policies offer flexible terms, allowing you to adjust your coverage as necessary.
Protect Your Property Today
If you are acting as an executor or have recently inherited a property through probate you will need specialist cover if the property is still in the deceased’s name, or if it’s unoccupied for an extended period. Standard home insurance policies general won’t cover you for more than 30 days of unoccupancy and you will need probate home insurance to safeguard your asset. Complete the form below and we’ll provide you with a no obligation quote.