Probate can take 6–12 months on average — your cover should last as long as it needs to.
About the cover
What is Probate Property Insurance?
When a homeowner passes away, their property is often left empty while the estate is administered. Standard home insurance policies typically lapse or become invalid after 30–60 days of unoccupancy — leaving the property exposed.
Designed for homes left empty after a death
Protects against damage, theft, and liability
Essential cover throughout the legal probate process
Why it matters
Why Probate Properties Need Cover
Increased burglary risk
Empty homes are a known target for opportunistic theft and squatting.
Damage going unnoticed
Burst pipes, leaks or fires can cause major damage before anyone notices.
Policy invalidation risk
Most standard policies become invalid after 30–60 days of unoccupancy.
Comprehensive protection
What Does It Cover?
Buildings Insurance
Full structural cover for the property and outbuildings.
Theft & Vandalism
Protection against forced entry, theft and malicious damage.
Escape of Water
Cover for leaks, burst pipes and resulting damage.
Fire Damage
Comprehensive fire and smoke damage protection.
Liability Cover
Public liability protection for executors and visitors.
Maintenance Risks
Cover for issues arising during periods of unoccupancy.
Who we help
Who Needs Probate Insurance?
Executors of estates
Fulfilling your legal duty to safeguard the property.
Family members
Handling inheritance and the family home with care.
Solicitors
Acting on behalf of the estate during probate.
Estate administrators
Managing assets through grant of representation.
Why choose us
Compassionate expertise when it's needed most
Sensitive Handling
Programmes built around your build phase.
Fast Policy Setup
Direct access to construction underwriters.
Specialist Insurers
Experience with high-value, multi-unit schemes.
Clear, Simple Process
In-house claims advocates on your side.
Simple process
How It Works
1
Property Details
Share basic details about the home and circumstances.
2
Risk Assessment
We review the property’s situation and protection needs.
3
Insurer Matching
We source the right cover from specialist providers.
4
Instant Cover
Cover activated quickly so the property is protected.
Common Questions
Frequently Asked Questions
Do I need insurance during probate?
Yes — as executor, you have a legal duty to safeguard estate assets. Most standard home insurance policies become invalid after 30–60 days of unoccupancy, leaving the property exposed. Specialist probate cover ensures continuous protection.
How long can a property stay unoccupied?
Standard home insurance typically only covers properties unoccupied for 30 to 60 consecutive days. Probate insurance is specifically designed for longer periods of vacancy, often up to 12 months or more, with options to extend.
Is probate insurance mandatory?
It is not legally mandatory, but executors have a fiduciary duty to protect estate assets. If a property is damaged or a claim arises during probate without valid cover, executors could be held personally liable by beneficiaries.
Can the policy be set up quickly?
Yes. We understand probate often involves urgent timelines. In most cases, we can arrange same-day cover once we have the basic property details and confirmation of the executor’s role.
Protect the Property During Probate
Speak to one of our specialist advisers today. We’ll handle everything with the care and discretion this moment deserves.
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