Homeowner's Insurance
Homeowner’s Insurance – What to Check and What to Know
When someone passes away, their home can sit empty for weeks or even months while the estate is settled. During this time, many families forget about one critical task: checking the homeowner’s insurance policy. Failing to update or maintain the right coverage can leave the property vulnerable to serious financial loss if there is a fire, storm, break-in, or other damage.
Most standard homeowner’s insurance policies are written with the assumption that someone is living in the home. When a house is vacant or unoccupied for a certain period, insurers may reduce or even cancel coverage if they are not notified. This is why it is so important to review the policy as soon as possible after a death.
What you need to check:
Locate the Policy and Confirm Ownership
Begin by finding the insurance policy itself. Look for a paper copy in the home’s files or check any online accounts if you have access. The policy document will list the insurance company’s contact information, the policy number, and important coverage details.
Next, see whose name is on the policy. Typically, it will be in the name of the deceased homeowner. Insurance companies need to be notified about the death so they can advise on the necessary changes.
Call the Insurance Company
Contact the insurer directly. Explain that the homeowner has passed away. Be ready to provide a copy of the death certificate and proof that you are the executor or legal representative of the estate. Ask them:
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- What steps are needed to keep coverage in place
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- Whether there are special requirements for vacant homes
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- How long the house can stay unoccupied before coverage changes
Understand Vacancy Clauses
Most insurance policies define “vacant” or “unoccupied” status based on the house being empty of people or personal belongings for a set number of days, often 30 to 60. Once a home is considered vacant, coverage for risks like theft, vandalism, or certain types of water damage may be limited or excluded altogether.
Possible Solutions
Ask the insurance company about adding a vacant home endorsement to extend coverage while the house is unoccupied. In some cases, they might require switching to a separate vacant home insurance policy if the house will remain empty for a long time. Also, discuss naming the estate or executor as an insured party to ensure that billing and notices go to the right person.
Other Key Questions
Check if the insurer requires maintaining heat in the winter to avoid frozen pipes, regular inspections, or other conditions to keep coverage valid. Make sure billing is updated to avoid accidental lapses.
If you are in Louisiana and need help finding homeowner’s insurance options or an agent, you can reach the Louisiana Department of Insurance at 1-800-259-5300. Nationally, you can also contact major insurers directly using the number on the policy or their website.
While handling insurance might feel like one more burden during a difficult time, taking care of it early helps protect your loved one’s property and prevents big, unexpected costs for the estate.
