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Protecting a property after the owner has died is essential, this article talks through the important of being an executor and the process of probate.
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CoverBuilder on Tuesday, October 3, 2017, 13:10:11, 3 Months Ago, Comments [0]

When someone dies and leaving a property, responsibility for that property will usually fall with the person who is dealing with the estate, known as the executor. This person is responsible for overseeing and managing the process of probate that the estate will go through.

This process involves administrating any outstanding debts and then dividing money and assets amongst the various beneficiaries. This is generally a lengthy legal process to go through, typically taking between 3 and 9 months to complete.

A house is likely to be the biggest asset that a person has owned which is where probate home insurance comes into play.

Generally, the house is going to be the most significant asset a person has and this is where insurance for unoccupied house when owner deceased comes into play.

Properties going through probate are often left empty, many standard insurers will be unable to continue the original cover once the property owner has passed away.

This means that if you are the executor of the estate it is likely that you will need to contact a specialist insurance provider to take out a suitable policy and ensure the property is fully covered.

This means that if you are the executor of an estate you will benefit from one of our specialist policies to ensure the property is fully covered.

What needs to be done in order to obtain a grant of probate?

Firstly you will need to be named as the executor of an estate, This will then allow you to obtain a grant of probate where there a number of tasks you will have to carry out.

These include things such as:

  • Obtaining the death certificate
  • Confirming your authority as the executor of the estate
  • Calculating the value of the deceased person’s estate and whether it will be liable for inheritance tax.
  • Attending a Probate Registry interview and swearing an executor’s oath.


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