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.
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
Need probate home-insurance for an empty property? Get an instant specialist quote with Intelligent Insurance—competitive premiums, policies issued in the executors’ names, and UK-based experts ready to help.
Get an online quote for your Property in Probate, tailored to your needs
*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.
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