Probate House Insurance
- Specialist insurance for homes left unoccupied during the probate process
- Cover for probate properties vacant for 60 consecutive days or longer
- Choose from buildings, contents or combined home insurance
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Probate House Insurance
Specialist Home Insurance for Probate Property
Managing a property during probate often involves a range of legal and administrative tasks. If the home is left unoccupied while the estate is being administered, it's important to have the right insurance in place to help protect it throughout the process.
Our specialist probate house insurance is designed for properties that remain unoccupied during the probate process. It provides executors with suitable cover while ownership is being transferred, or the property is awaiting sale.
Probate properties that are left unoccupied can be more vulnerable to theft, vandalism, escape of water, storm damage and other unexpected incidents. Having specialist probate house insurance in place helps protect the property while the estate is being administered, giving you added peace of mind.
Ready to explore your options? Request a house insurance for probate property quote today. Simply complete our short form to get started.
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Why Probate House Insurance Matters
An unoccupied probate home often faces different risks from an occupied home. Without someone living at the property, it can take longer to spot issues such as escape of water, storm damage or theft. This can lead to more extensive damage and higher repair costs.
Specialist probate house insurance is designed to help protect unoccupied properties while probate is being completed. It provides reassurance that suitable cover is in place until ownership is transferred or the property is sold.
Probate House Insurance Cover
Our home insurance for probate property can include cover for a range of risks, such as:
Fire Damage
Covers damage caused by fire, including smoke damage and damage from lightning or explosion.
Weather & Flood Damage
Covers loss or damage caused by storm, flood or severe weather conditions.
Escape of Water & Oil
Covers damage caused by leaks from pipes, heating systems and domestic appliance.
Theft & Burglary
Covers loss or damage resulting from theft or attempted theft, subject to your policy terms.
Property Owners' Liability
Covers your legal liability if someone is injured or their property is damaged in connection with your home.
Subsidence, Heave and Landslip
Covers loss or damage caused by movement of the ground beneath your home.
Request a House Insurance During Probate Quote
Compare InsuraHome Probate House Insurance
Finding what is the best probate house insurance means choosing a policy that suits your property and provides the level of cover you need.
At InsuraHome, we offer three levels of cover, making it easy to compare your options and choose the policy that best meets your needs.
| Cover Included | Level 1 | Level 2 | Level 3 |
| Fire | ✔ | ✔ | ✔ |
| Aircraft | ✔ | ✔ | ✔ |
| Subsidence | ✔ | ✔ | ✔ |
| Storm and Flood | ✔ | ✔ | |
| Vehicles or Animals | ✔ | ✔ | |
| Falling Trees | ✔ | ✔ | |
| Escape of Water (Up to £10,000 any one claim) | ✔ | ||
| Heating Installation (Up to £10,000 any one claim) | ✔ | ||
| Theft (Up to £10,000 any one claim) | ✔ | ||
| Riot (Up to £10,000 any one claim) | ✔ |
The comparison table above shows which insured risks are included with each level of probate home insurance. For full details of what is and isn't covered, please refer to the policy wording.
Why Choose InsuraHome Probate House Insurance
Every probate property is different, whether it's awaiting sale or ownership is being transferred. At InsuraHome, we understand the challenges of arranging insurance for a property that's left unoccupied during probate.
That's why our specialists review every application individually to help find suitable cover for your property and circumstances.
Specialist Cover for Your Property During Probate
Having the appropriate insurance in place can provide reassurance while the estate is being administered. Our specialist probate house insurance can help protect an unoccupied property while probate is being completed.
Whatever stage the probate process is at, you get assurance that you have chosen suitable cover which is in place throughout the process.
Request a House Insurance During Probate Quote
Explore Other Specialist Home Insurance Products
At InsuraHome, we provide specialist home insurance for a range of property types and circumstances. Alongside probate house insurance, we can also help with cover for houses being renovated and holiday homes.
We also understand that some homeowners have more complex insurance needs. Our team can help you explore suitable insurance options based on your individual needs.
Frequently Asked Questions about Probate House Insurance
1. Can I Insure My Deceased Parents’ Home?
We understand that arranging insurance during probate can be one of many responsibilities at an already difficult time, so we want to make it as easy as possible.
If you're the executor of your parents' estate, you may be able to arrange specialist executor house insurance for the property. Standard home insurance policies may not always provide suitable cover if the home is left unoccupied during probate.
In these circumstances, specialist house insurance for executors may be more suitable.
2. How Long Do I Need House Insurance for Executors?
Probate house insurance is typically needed while the property remains unoccupied during the probate process. Once ownership has been transferred or the property has been sold, your insurance requirements may change.
If this happens, please contact us so we can review your policy and update your cover if your circumstances change.
3. Who Can Get InsuraHome Probate Home Insurance?
Our probate house insurance is for UK properties, and these include:
- England
- Wales
- Scotland
- Northern Ireland
- Isle of Man
- The Channel Islands
Probate house insurance can usually be arranged by the person responsible for administering the estate, such as the executor or administrator. If you're unsure whether you're eligible to arrange cover, our specialist team will be happy to discuss your circumstances.
4. How Much Does Probate House Insurance Cost?
The cost of home insurance for house in probate depends on several factors. These include where the property is located and how long it will remain unoccupied.
Additionally, the rebuild value of your home and the level of cover you select will affect the cost of the policy.
If you're unsure of your property's rebuild value, you can arrange a rebuild cost assessment with a Chartered Surveyor. Alternatively, you can use a rebuild cost calculator to estimate your home's rebuild value.
5. What Are the Requirements for House Insurance for an Unoccupied House After the Owner Has Died?
There are a few requirements you'll need to meet when arranging home insurance for an unoccupied house after the owner has died. To help reduce the risk of damage going unnoticed, you'll need to:
- inspect the property both internally and externally at least once every 30 days
- keep a written record of each inspection, including the date, time and any observations
Your policy documents will explain any conditions that apply to your cover.
6. Does My Executor Home Insurance Include Accidental Damage Cover?
No. Accidental damage cover isn’t included with our home insurance for executors and can’t be added as an optional extra. As a result, accidental damage to items such as glass, solar panels, bathroom fittings, hobs and underground pipes isn't covered.
Please refer to the policy wording for full details on exclusion for our executor home insurance.
7. How Do I Get an InsuraHome Probate House Insurance Quote?
Getting a probate house insurance quote from InsuraHome is simple. Click the Request a Quote button and complete our short online form with a few details about your property.
Once you've submitted your enquiry, our specialist home insurance team will review your information and contact you to discuss your quote.