Most homes sit empty during probate. Standard building and contents insurance policies rarely cover properties that are left unoccupied for more than 30 days, therefore specialist probate home insurance cover should be arranged, which takes this into account.
Standard home insurance policies have time limits for unoccupied properties (usually 30-60 days). During probate, your house might be empty for longer, increasing the risk of damage from leaks, pests, or break-ins. Probate home insurance offers specialised coverage and protects your financial liability while the estate settles.
Typically, the executor of the deceased’s estate is responsible for arranging appropriate insurance coverage for the unoccupied property. This ensures the asset is protected while in their care and meets their legal obligation to safeguard the estate.
Our probate home insurance covers potential issues like water damage from broken pipes, fire damage, theft, vandalism, and even storm damage. Intelligent Insurance provides insurance cover tailored to your specific circumstances. Call one of our experts for detailed information.
The cost of probate home insurance depends on several factors, including the size and location of the property, the length of coverage needed, and the specific risks you want to cover. We offer flexible plans and competitive rates to meet your individual needs and budget. You can obtain a free quote online in just a few minutes.
When applying for probate home insurance, it’s important to enter the correct property ownership details based on your situation.
Here’s a simple guide to help:
If probate has been granted but the estate is still being administered and the property remains in the deceased’s name, enter the name of the deceased as the proposer. Select “Executors of” as their title. The executor arranging the insurance can be recorded as someone with permission to act on the account, simply let us know their details via online chat or webform.
If probate is complete and the property title deeds have been updated to the beneficiaries, enter the names of the beneficiaries as the legal property owners and policyholders.
If the beneficiaries have inherited the property but the title deeds are still in the deceased’s name, we’re unable to offer a new policy until the ownership has been legally updated. If you’re an existing customer, please contact us and we’ll review the situation.
Need more guidance? Be sure to check out our complete guide on probate.
Whether it’s a modern terrace, a Grade II listed cottage or a home with quirky features, our specialist probate insurance is tailored to your property’s exact risks.
Nothing generic, nothing wasted.
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
Browse our intelligent reading list of articles, guides and tips at your own convenience.
From applying for grants to closing an estate our guide to explains every step of probate.
Read our guide to protecting a vacant home, ensuring it remains safe and fully covered during probate.
Up for renewal? Find out how your renewal price is calculated.
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps.
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
