Specialist property insurance
Probate House Insurance
Cover for a property left empty during probate, arranged for executors, administrators and solicitors.
About this cover
When a homeowner dies, their property is usually left empty while the estate is settled — and most standard home insurance policies restrict or withdraw cover once a house has stood empty for 30 days. Probate house insurance keeps the building protected throughout the probate process, whether that takes a few months or considerably longer, so executors are not left personally exposed if something goes wrong.
Who it's for
- Executors and administrators of an estate
- Solicitors and probate practitioners acting for an estate
- Beneficiaries responsible for an inherited property
- Families holding a home before sale, clearance or letting
What can be covered
- Buildings cover for a property left empty during probate
- Short-term 3, 6 and 12 month terms, extendable while probate continues
- Property owner's liability while the house is unoccupied
- Escape of water, fire, storm, theft and vandalism cover
- Contents cover where furniture and possessions remain in the property
- Cover that continues while the property is marketed for sale or let
- Adverse credit history and criminal convictions considered case by case
Get a Probate House Insurance quote
Tell us about your property and a specialist adviser will come back to you with options.
Start your quoteCommercial unoccupied property?
If the empty property is used commercially, you can apply online now through our specialist commercial unoccupied application.
Apply onlineLong-term unoccupied property?
For long-term unoccupied homes and investment properties, apply online now through our specialist long-term unoccupied form.
Apply onlineRelated cover
Blocks of Flats Insurance
Purpose-built buildings insurance for entire blocks, arranged for freeholders, RMCs and managers.
Commercial Landlord Insurance
Specialist cover for commercial premises — offices, shops, warehouses and mixed-use buildings.
Holiday Let & AirBnB Insurance
Cover designed for short-term letting — holiday cottages, city apartments and AirBnB properties.