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Probate and Property: Why the House May Not Be Insured After Death

Three people viewing a vacant two-story house, representing the need for vacant property insurance after a death or during probate.

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…

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