Unoccupied Property Insurance
Act within 30 Days
If the person you have lost lived alone, the property they leave behind needs attention sooner than most families realise — standard home insurance policies can void within days of a property becoming unoccupied, leaving the estate exposed at a vulnerable time. This page gives you what you need to act quickly and protect the property correctly.
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Unoccupied property is one of the most overlooked risks in the immediate aftermath of a bereavement — and one of the most consequential if missed. The standard home insurance policy held by the deceased almost certainly contains an unoccupied property clause voiding cover after 30 days, and some policies void from the moment the sole occupant dies. Our Property & Administration Pack explains exactly what to do with the existing policy and who to notify immediately, what unoccupied property insurance covers and what it does not, how to document and secure the property to satisfy insurance requirements, what executors are personally liable for if the property is damaged or entered while unoccupied, and how to manage the property through to sale or transfer without gaps in cover. Acting on this today prevents a problem that is significantly harder and more expensive to fix after the fact.
Property & Administration Pack - £18.99