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Probate insurance, also known as ‘inherited property insurance’ is a type of cover that you can take out when the probate process has been completed if you’ve been left a property by a deceased family member.

You can get probate home insurance quotes now by clicking the green button. Keep reading for more information about probate insurance and how the process works.

Key Points

  • Probate home insurance is the right choice when you have inherited a property that you need to insure.
  • You can insure any type of property with probate insurance, including houses, flats and cottages.
  • You can tailor the quotes you can get very easily so they only include the type of cover you want.
  • How much you pay will depend on things like the value of the property you inherited, how secure it is and where it’s located.

What is Probate Insurance?

Probate insurance is somewhat different to standard home insurance because the beneficiary of the property doesn’t always intend to live in it. Also it may be unoccupied for an extended period of time due to being renovated or the new owner looking for tenants.

If you have inherited a property as part of a deceased person’s will, whether it’s a flat, house or apartment, it will be your responsibility to make sure it’s properly protected with the right insurance policy. In the FAQs below, we’ll look at the type of policy you’ll need depending on what you intend to do with the property.

Did you know?

The probate process must be complete before you’re able to take out insurance for your inherited property.

 

Ways to save money on probate insurance

Save money on probate insurance with these tips:

  • Pay for the policy annually instead of monthly
  • Take any steps you can to make the property more secure and less likely to be targeted by criminals
  • Consider splitting the cost of insurance if you’re one of multiple people who the property has been left to
  • Get quotes from as many providers as you can

Did you know?

The probate process typically takes 3 to 12 months.

Reasons to get probate home insurance quotes online

There are some great benefits to getting quotes for probate home insurance online. These include:

  • Quotes are very quick and easy to obtain
  • They can be tailored to suit your needs very easily
  • There’s no pressure
  • Easy payment options

Get Tailored Probate Home Insurance Quotes Now!

Simply click the green button below and you can have tailored probate home insurance quotes within minutes.

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Probate Home Insurance FAQs

What type of probate home insurance policy should I get?

If you already live in the property (for example, in the case of a deceased parent or spouse) or you intend to live in it in the near future, then a standard home insurance policy would be a good choice. This can be building insurance only or include both building and contents insurance.

If you plan to renovate the property and you expect it will be unoccupied for a period of more than 30 days, then you’ll need to get unoccupied property insurance. If you plan to let the property after renovations, then landlord insurance is what you’ll need.

Is probate insurance only for houses?

No, you can also take out insurance for apartments and flats that include the cover you need.

When is the right time to take out insurance for my inherited property?

The time to put insurance in place is after the probate process has been completed. This can take 3 to 12 months depending on various factors but you won’t be able to take out cover until the property has been officially signed over to you.