Executor and Probate Home Insurance
Are you faced with the responsibility of managing a property going through probate? Brunel Insurance for People understands the unique challenges you encounter during this period. Our Executor and Probate Home Insurance can be tailored to provide comprehensive cover and peace of mind for the property throughout the probate process.
When someone passes away, their home often becomes unoccupied during the probate process, which is when the distribution of the estate is determined according to their will. The property may remain vacant for an extended period until the estate is settled, which could leave it vulnerable to a range of risks.
As the executor(s) of the deceased’s estate, you have a legal duty to safeguard the assets, including the property. During this time, it is crucial to ensure that proper probate insurance is in place. This is where Unoccupied House Insurance and home insurance for executors becomes essential.
What is House Insurance During Probate?
Probate grants you, as the executor, the authority to manage a deceased person’s estate. It involves receiving and making payments on behalf of the estate. If the estate includes property, probate can become a lengthy process, making specialist insurance important.
Probate home insurance often involves insuring the house in the executor’s name. Beneficiaries can be added as additional policy holders so they can make any changes if they would like.
Houses can often be unoccupied during the probate process. Therefore, unoccupied home insurance can provide peace of mind so you know if anything should happen while the house is empty, it will be covered.
What is an Executor?
As the executor named in the deceased’s will, you have the responsibility of administering the estate, including safeguarding any property involved.
As an executor, you are legally responsible for protecting the deceased’s assets, including any property. This makes securing adequate executors home insurance Unoccupied House Insurance vital to fulfilling your obligations and ensuring the estate remains protected.
By securing probate home insurance or Unoccupied House Insurance, you help protect the deceased’s home from risks during probate, providing peace of mind as you fulfill your duties as an executor.
For more details on Unoccupied Property Insurance, contact Brunel Insurance for People today.
Why Specialist House Insurance During Probate?
Property in probate remains in the ownership of the deceased’s estate until the will determines its future. Standard home insurance is usually inadequate for a likely empty property during probate. Regular home insurance may have restrictions or lose certain covers during periods of unoccupancy.
In some cases, it may be possible to transfer the existing home insurance to the name of the deceased’s surviving spouse. However, more commonly, insurers will require a completely new insurance policy. Even if a policy transfer is allowed, you will still need to consider whether the property will remain vacant during the probate process.
Additionally, the home may be held in trust, which can complicate the process further. Homes in trust require specialist home insurance, which our team can help with.
Once a home becomes unoccupied for a certain number of consecutive days, standard home insurance typically has restrictions or exclusions that limit cover. For this reason, it’s important to replace the existing home insurance with a policy designed specifically for unoccupied properties
Our insurance for executors can offer comprehensive cover, including building insurance, contents insurance, and property owner’s liability. We know the length of the probate process can vary significantly from estate to estate – therefore we offer flexible policy lengths of 3, 6 or 12 months.
Unoccupied Property Insurance
Executors may find themselves managing an empty property during probate, leading to potential gaps in standard home insurance policies. Our insurance considers the need for specialist unoccupied property insurance, ensuring the property remains safe and secure throughout probate.
Probate can be an extended process, and our home insurance for executors and unoccupied property insurance can be tailored to your specific timescale.
Secure the future of your loved one’s estate with Brunel Insurance for People’s Executor and Probate Insurance. Get a quote today and ensure comprehensive protection during this crucial time.
Why Brunel Insurance for People?
Quick and Easy Quote
Get a swift quote for probate and executor house insurance cover with Brunel Insurance for People. We streamline the process, ensuring that you receive the information you need promptly.
Customer Service
We always strive to provide the highest level of customer service which can be demonstrated by our customer reviews.
Unoccupied House Insurance
Understanding the risks of leaving a property unoccupied during probate, we offer cover if the property remains vacant for more than 30 days. Our insurance protects against theft, vandalism, flooding, and various other scenarios. Let us know your property’s current state, and we’ll handle the rest
