When a loved one passes away, one of the most overlooked risks is the property they leave behind. Many heirs, executors, and even attorneys assume that the decedent’s homeowner’s insurance remains in force throughout probate. Unfortunately, that is rarely the case.
Most standard homeowner’s policies terminate or severely limit coverage once the named insured has passed away. In some cases, there may be a brief grace period during which the estate or heirs are protected, but these provisions are often narrow and vary by insurer.
The Hidden Risk of Uninsured Property
It’s common for family members or legal representatives to search for an existing insurance policy, hoping to maintain protection for the home. But if the home is vacant or titled in a way that severs insurable interest — such as a Lady Bird deed or Transfer on Death (TOD) designation — that coverage may no longer apply at all. In fact, some policies become void the moment the death occurs if the property is no longer occupied or if no insurable interest remains.
This creates a dangerous gap during a critical time. Vacant homes are more prone to vandalism, weather damage, frozen pipes, and liability issues. Without proper insurance, the estate may be on the hook for thousands of dollars in uncovered losses.
Vacant Property Insurance: A Safer Path Forward
To help solve this problem, we created VacantPropertyInsurance.us. This service is designed specifically for executors, trustees, heirs, and estate attorneys who need fast, affordable coverage for vacant or inherited homes. Whether the home is waiting for sale, in the middle of a title transfer, or tied up in probate, coverage can be arranged quickly to protect the estate.
The site connects users with licensed insurance agents who understand these unique situations. Every policy is underwritten and issued by a licensed professional. Coverage is available in most states and often bound within 24 hours.
When Should You Consider Vacant Property Insurance?
You should explore vacant property coverage immediately if:
- The home is unoccupied for more than 30 days
- The deed transferred on death or via a Lady Bird deed
- The estate is still in probate with no confirmed heir living in the property
- The named insured on the homeowner’s policy is deceased
- You are waiting to sell, rent, or clean out the property
Don’t Leave the Estate Exposed
It’s a mistake to assume existing homeowner’s coverage remains valid after death. Even if a policy is located, it may be too late. And if the insurer was never informed of the death or vacancy, future claims could be denied outright.
VacantPropertyInsurance.us, brought to you by ProbateCourtBond.com, is a resource to help families and professionals protect estate property during this vulnerable time.
If you’re handling a probate case, don’t wait. Visit the site to learn more and request a quote.
