Losing a loved one is difficult, and it often comes with the responsibility of sorting out their possessions and property. One key task in this situation is dealing with probate, the legal process that manages a deceased person’s estate.
This article will explain what probate is, how it works in the UK, and why it matters for homeowners and insurance.
We’ll also highlight how probate relates to home insurance, especially if a property is left unoccupied, and provide tips to protect an inherited home.
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Probate is the legal right to deal with someone’s property, money, and possessions (their estate) after they die.
In practice, it’s a court supervised process of validating the deceased’s will (if one exists) and appointing an official person (an executor or administrator) to manage the estate.
The probate process involves:
Listing everything the person owned (property, savings, investments, valuables) and determining their value.
Using estate funds to settle outstanding debts (like mortgages or loans) and any taxes due, including Inheritance Tax if applicable.
(In the UK, if the estate’s value exceeds a certain threshold, inheritance tax may need to be paid or at least accounted for before probate is granted.)
Once debts and taxes are cleared, the remaining assets are passed on to the rightful beneficiaries (as named in the will, or according to law if there’s no will).
During probate, a court or probate registry oversees that this is done correctly, ensuring the deceased’s wishes are honored and that creditors or beneficiaries are treated fairly.
Importantly, you should not sell property or make financial plans for the estate until probate is granted, as you need the legal authority probate provides to act on behalf of the estate.
Probate is often necessary, but not every estate has to go through full probate. Whether you need to apply for probate depends on factors like the estate’s value, the assets involved, and if there’s a will.
Here are some general guidelines:
If the deceased owned a house solely in their name, probate is usually
required to transfer or sell it.
Jointly-owned property usually passes straight to the surviving owner
under the Right of Survivorship, so probate is not needed.
Banks have their own thresholds for releasing funds without probate:
one might draw the line at £5000, another at £20,000 or £50,000.
Balances below the limit, or money in a joint account, can generally be
released with just a death certificate.
The UK treats very low-value estates informally. Estates under about
£5 000 pay no probate fee, and many can be settled without any grant at
all.
Life-insurance proceeds, pension death benefits, and trust-held assets
go straight to the named beneficiary or trustee, bypassing probate.
Bottom line: If the person who died only had jointly-owned assets or very low-value assets, probate might not be required.
On the other hand, if they owned property or significant assets in their sole name, you’ll likely need to apply for probate to deal with those.
It’s wise to check with each institution holding the assets (banks, building societies, etc.) to see if they require a probate document to release funds.
When in doubt, consulting a legal advisor can clarify whether probate is needed in your specific situation
The probate process in England and Wales typically follows a series of steps. While it can feel daunting, breaking it down makes it easier to understand how probate works:
Before applying for probate, you must address inheritance tax.
Even if no tax is due, you usually have to submit an IHT form to HMRC. If tax is due (for estates above the current threshold), a portion of it may need to be paid up front (there are ways to pay from the estate, like using funds from a bank or a loan specifically for inheritance tax).
Probate can’t be granted until the tax authority is satisfied that any due IHT will be paid.
You’ll submit details of the deceased, the estate value, the original will (if applicable), the death certificate, and the IHT confirmation. There is an application fee (currently £300 if the estate is worth over £5,000, and free for smaller estates ).
(Online applications include this as a statement of truth checkbox, whereas paper applications might require a signed oath).
Simple cases can be quicker, and complex ones or any mistakes in the application can cause delays (sometimes up to a year for very complicated estates or if there are disputes).
Institutions will require an official copy of the probate document to release funds or change ownership. (It’s common to order several sealed copies of the grant for this purpose, at £1.50 each, so you can deal with multiple institutions in parallel.)
The executor should also place a notice in The Gazette (an official public record) and local newspapers about the death and estate, which helps protect against unknown creditors coming forward later.
Once debts are paid, the executor can distribute what’s left of the estate to the beneficiaries. If there was a will, this means following the will’s instructions (after confirming all specific gifts, trusts, or conditions in the will).
If there was no will, distribution must follow the intestacy rules (the law dictates who inherits and in what shares, usually spouse and children first, then other relatives if none of those).
Before distributing, the executor might prepare estate accounts, detailing all money in and out, for transparency with the beneficiaries.
Once beneficiaries have received their inheritance and all liabilities are settled, the probate process is complete.
These steps can be handled by the executor personally, and many people do manage a straightforward estate on their own. The government provides guidance to help individuals apply for probate without a solicitor.
However, if the estate is complex or if you’re unsure, seeking professional help from a probate solicitor can save time and ensure nothing is missed.
(Note: Scotland and Northern Ireland have separate probate systems (called “confirmation” in Scotland), which follow similar principles but with some differences in forms and processes. This article focuses on the probate process in England and Wales.)
Whether the deceased left a valid will or not makes a big difference in the probate process:
The executor applies for a Grant of Probate by submitting the will and relevant documents. Once probate is granted, the executor can proceed to collect assets and distribute them as the will directs.
A valid will simplifies probate because it clearly states who inherits what, which can prevent many potential disputes.
This person (often a spouse, or if none, an adult child, etc.) can apply to the probate registry to be appointed as an administrator of the estate. The court issues a document called Letters of Administration, which is equivalent to a Grant of Probate but for intestate estates.
The administrator’s role is similar to an executor, but because there’s no will, they must distribute the estate according to the UK’s intestacy rules. These rules set a strict order of who inherits, generally starting with the spouse/civil partner and children, then other family if none of those.
Not having a will can make probate a bit more complicated: the family must agree on who applies to be administrator, and figuring out the heirs can be time-consuming if the family tree is unclear.
Intestacy can also lead to outcomes the deceased might not have wanted (for example, unmarried partners or close friends won’t inherit anything under intestacy law), which is why making a will is so important.
In short, a will provides a roadmap for the probate process, usually making it faster and smoother. Without a will, probate becomes about following legal defaults, and it may take longer to identify all rightful beneficiaries.
Either way, the end result of probate, transferring the estate to new owners, will happen, but the presence of a will streamlines that journey.
Understanding the roles of the people (and institutions) involved in probate will help clarify how it all works:
Executors can be family members, friends, or a professional (like a solicitor or bank). Often, people name more than one executor in case one is unable or unwilling to act. If multiple executors are named, they must work together (although they can choose for one to officially apply for probate while the others have “power reserved” to step in later if needed).
They too get authority through the probate grant (Letters of Administration). Administrators must also act in line with intestacy laws for distribution.
The registry’s role is to review applications, make sure the will (if present) is valid, confirm the applicant’s right to administer the estate, and then issue the grant.
If there are disputes or complications (like someone contests a will), then it can escalate to a judge at the High Court (Family Division) to resolve the matter.
Beneficiaries typically don’t have authority in the process, but if they believe the executor is mishandling things, they can raise concerns through legal avenues.
In the UK, placing a deceased estates notice in The Gazette (and local paper) gives creditors a deadline to come forward.
If the executor follows that procedure, once they distribute the estate after the deadline, they are generally protected from any late claims (late creditors would then pursue beneficiaries rather than the executor personally).
Understanding these roles helps you see why probate exists: it creates an orderly way to go from someone’s death to the transfer of their property, under legal supervision. This prevents misuse of the deceased’s assets and protects the rights of both inheritors and those owed money.
Many people are concerned about how long they will have to wait before an estate is settled. The length of the probate process can vary widely based on the estate’s complexity and whether any issues arise.
In the UK, a commonly cited average is around 8–12 weeks (3 to 4 months) to get the Grant of Probate from the point of application.
However, that’s just to receive the grant – additional time is needed to administer the estate afterwards. Let’s break down the timeline:
For a very straightforward estate (e.g., one house and one bank account, with all paperwork in order), this might be done quickly. For a more complicated estate (multiple bank accounts, investments, property, or difficulty finding information), this stage can take longer.
Backlogs at the probate registry can affect this, for instance, if there’s a surge in applications or staffing issues, it may slow down.
As of early 2025, many applications are seeing grants in about 8 to 12 weeks, but times can vary. It’s advisable to check the HM Courts & Tribunals Service updates for current waiting times.
Paying bills and closing accounts might be quick if everything is straightforward, or could take a while if you encounter delays (like waiting for final bills or dealing with foreign assets). If any asset is contested or there are legal challenges, that will prolong the process significantly.
In summary, simple estates might be wrapped up in 6-9 months total, whereas more complex estates can easily take a year or more. It’s wise to manage beneficiaries’ expectations that probate is a marathon, not a sprint.
Executors should also keep records and communicate progress to everyone involved, so people know things are moving along. Patience and careful organisation are key – rushing can lead to mistakes, and mistakes in probate can cause further delays.
(One thing to remember: You can sometimes distribute some parts of the estate before everything is finalised, for instance, personal belongings or small cash gifts might be given out earlier if you’re confident the estate is solvent. But executors should be cautious not to distribute too much too soon, especially before that creditor claim period is over, to avoid being personally liable.)
Probate comes with some costs, though for many estates the expenses are relatively modest, especially if handled without a lawyer. Key costs include:
As of 2024, the fee in England and Wales is £300 for estates valued over £5,000, and no fee is charged for estates £5,000 or under. (This is a flat fee – it doesn’t increase based on estate size, aside from that threshold exemption.
The fee was £273 prior to 2022, and has recently increased.) If you need extra copies of the grant, those cost £1.50 each.
Some banks that are named as executors in wills have been known to charge a percentage fee (which can be several thousands of pounds for larger estates).
It’s always a good idea to get quotes or understand the fee structure before appointing professional help. You can also choose to do some tasks yourself and use a professional only for complex parts, to manage costs.
Also, costs like funeral expenses, outstanding bills, and taxes are paid from the estate funds. All these reduce the estate before distribution.
Executors are entitled to recover reasonable expenses from the estate (like postage, travel, or probate fees). In the UK, lay executors (family/friends who act as executor) usually do not charge a fee for their time – it’s often done as a duty. Professional executors, by contrast, charge as mentioned above.
It’s worth noting that probate costs are usually much lower than the value of the estate – the process is there to protect the estate, not to take it over in fees. Still, being mindful of costs can preserve more of the estate for beneficiaries.
If you are concerned about probate fees (for example, if you’re on low income and the fee is difficult to pay), the government offers a Help with Fees scheme that might cover or refund the probate fee in certain cases.
While most probate cases are straightforward administrative tasks, some estates encounter challenges or disputes that heirs and executors should be prepared for:
Reasons could include claims that the deceased was not of sound mind when making the will, that they were unduly influenced, or that the will wasn’t signed/witnessed correctly.
If a will is contested, probate can be paused until the matter is resolved. Such disputes might end up in court, and the outcome could be that the will is upheld, altered, or even thrown out.
Contested wills can significantly extend the timeline and cost of settling the estate, and they can be emotionally draining for families.
This isn’t a contest of the will’s validity, but a claim for a portion of the estate. It, too, often involves legal proceedings and can delay final distribution.
While the executor has authority to make decisions they also have a duty to act in the beneficiaries’ best interests.
Good communication and, if needed, mediation can help resolve such issues without formal litigation.
You might need to use genealogical services or public advertisements. This can slow things down but is important to ensure the estate goes to the rightful people.
Executors should be very careful in this scenario and consider professional advice, because distributing assets incorrectly when debts are unpaid can make the executor personally liable. Insolvent estates aren’t common, but it’s a challenge to be aware of if the deceased had significant debts.
If you anticipate or encounter any of these challenges, it’s wise to consult a probate solicitor. They can guide you on the proper steps (for example, the executor might step back if a will contest arises, until it’s resolved).
Remember, the goal of probate is an orderly transfer of assets; when disputes arise, the legal system provides mechanisms to handle them, though not always quickly.
One aspect of probate that people sometimes overlook is home insurance on the deceased’s property.
If the person who died owned a home, that property might sit unoccupied during the probate process, and potentially for some time afterward if it’s being sold or transferred. It’s crucial to understand how insurance is affected and what steps to take to safeguard the property:
Many standard home insurance policies have clauses that significantly change coverage if the home becomes unoccupied or if the policyholder passes away. For example, a typical policy might only allow a home to be empty for 30 or 60 days before certain cover (like theft, escape of water, etc.) is reduced or voided.
The insurer might convert the policy to an unoccupied home policy for the interim, or they might cancel it and require a new policy in the name of the estate or executor.
As an executor or administrator, you generally do have this interest, even though you don’t “own” the house personally.
Essentially, you are responsible for the estate and the home is part of the estate, so protecting it is in the estate’s (and beneficiaries’) interest. Insurance companies will typically issue a policy to the estate or to you as the executor on behalf of the estate.
They may ask for evidence, such as a copy of the grant of probate (or a letter from a solicitor or the will naming you as executor).
Without anyone living there, a small problem (like a leaky pipe) can turn into a disaster if unchecked. Also, an empty home can attract burglars or vandals. Because of these risks, insurance for unoccupied properties during probate is usually a bit more expensive than standard home insurance, but it’s crucial to have.
If a loss occurs (say a fire or a burst pipe while the house is awaiting sale) and there’s no valid insurance, the financial hit to the estate could be huge, directly harming the beneficiaries’ inheritance.
These conditions help reduce risks, and in turn the insurance will cover major perils such as fire, theft, storm damage, flood, escape of water, and so forth, similar to a normal home policy.
Liability cover is also important: if someone (say, a tradesperson or even a trespasser) gets injured on the property, the estate could be held liable, probate insurance can include property owner’s liability to protect the estate and executor.
However, make sure the policy is in the correct name (executor or surviving joint owner) after the original owner’s death, and inform the insurer of the change in circumstances. Occupancy can actually reduce premiums because the risks are lower than an empty home.Some probate insurance products cater to both scenarios, but clarity with the insurance provider is key.
In summary, home insurance during probate is a must for protecting one of the largest assets in an estate. Check the status of the existing policy immediately and arrange proper coverage that reflects the home’s unoccupied status if applicable.
This ensures that if anything goes wrong with the property while legal affairs are being sorted, the estate won’t suffer unnecessary financial loss.
Many insurance companies offer probate or estate property insurance, often found under “unoccupied home insurance”, and as long as you are the executor or have power over the estate, you can obtain this cover.
It’s one more box to tick on the executor’s checklist, but an important one to safeguard the estate’s value.
(Tip: While insured, also take practical steps to protect the property: install security alarms if possible, ask neighbours to keep an eye out, set lights on timers to give the appearance of occupancy, and keep the home and garden maintained. These not only reduce risks but also keep the property in good shape for eventual sale or transfer.)
Probate might sound intimidating, especially during a time of grief, but understanding the basics can make the journey much smoother.
In the UK, probate is simply the legal process that makes sure a deceased person’s estate is passed on correctly, covering everything from validating a will, to settling debts, to insuring and securing any property in the interim.
Most importantly, remember that you’re not alone in this process. There are clear government guidelines, and professionals who can help if you need advice.
For those handling an estate, take it step-by-step: confirm if probate is needed, follow the required steps to get the grant, and take care of estate assets (like houses) responsibly while you wait.
Keep beneficiaries informed to manage expectations about timelines. And if you’re also dealing with a property, ensure it’s protected with the right insurance until its future is resolved.
By being informed and prepared, you can approach probate with confidence. Whether you’re managing a modest estate or a complex one, the goal is the same, to honour the deceased’s wishes (or the law’s provisions) and to close the estate in a respectful, efficient manner.
With this guide, you should have a clearer picture of what probate is, how it works, and why it matters, especially when it comes to safeguarding a loved one’s home.
When a loved one’s property enters probate, it is important to make sure the property remains looked after and adequately protected.