Overview

Property Probate Insurance, also referred to as Unoccupied Probate Insurance, is specifically tailored to help protect estates of individuals who have passed away or unoccupied properties undergoing the probate process. During periods of unoccupancy, the risk of property damage, such as water leaks, fire, flooding, storm damage, theft, and vandalism, significantly escalates. Additionally, there is an increased risk ofbreak-ins, theft, and malicious damage.

Dealing with the complexities of probate while navigating the loss of a loved one is a delicate balance. Protecting and preserving the estate during this process is vital, given the unique aspects of each probate scenario and potential extended periods of vacancy.

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How We Can Help

The specialist probate property team at Brown & Brown aims to provide our customers with Property Insurance policies that can be tailored to meet the unique needs of those with properties in probate. Securing insurance for a property in probate that encompasses both the structure and contents is important. In scenarios like these, relying on a traditional Home Insurance policy may not prove adequate, as cover often lapses after the property remains vacant for 30–60 days . Securing Probate House Insurance is critical for the entire duration of the probate process, providing cover against the unique risks and challenges associated with unoccupied properties during the legal process

What is Typically Covered?

Fire, Lightning, Earthquake
Theft
Malicious Damage
Escape of Water
Contents Cover
Subsidence
Storm
Floods
Breakage or Collapse of Fixed Aerials

What is Typically Not Covered?

Damage that occurred before the policy started
Damage from vermin, insects or pets
Leaks from swimming pools or hot tubs

Properties in Probate

You may be responsible for managing a loved one’s estate after they have passed, which can be a potentially lengthy and complex process. Protecting the property is important during this time.

Unoccupied Property

When a property is vacant for any period of time, the risk of unexpected property or malicious damage heightens. This includes water damage, fire, vandalism, theft and more.

Tailored Estate Protection

Probate Property Insurance offers protection that is specific to your estate and its contents throughout difficult times, giving you peace of mind during this complicated transition.

Unexpected Events and Costs

Help protect yourself from unforeseen events and their often costly consequences through a tailored Property Probate Insurance solution.

Comprehensive Coverage

Unlike some standard Home Insurance policies, Probate Property Insurance addresses potential risks unique to vacant properties throughout the probate process.

Probate Insurance's Differentiator

Typical Homeowners’ Insurance may not cover prolonged vacancies, especially if it is vacant for 60 days or longer. Probate Insurance offers protection when other policies may not.