if my sister who owns the house just passed away and i want to continue paying her mortgage and insurance can i do that to update it before i sell it
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UPDATED: Aug 25, 2013
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Insurance Question from San Jose, CA
Asked on 08/25/2013
if my sister who owns the house just passed away and i want to continue paying her mortgage and insurance can i do that to update it before i sell it NULL
Answer given on August 26, 2013
If your sister has passed away, and she is the titled owner of the property, you can continue the insurance until the estate is settled or the home is sold.You should advise your insurance company that your sister has passed away and that you are taking care of the home. If the home is vacant, meaning no furniture, the insurance will be restricted and the insurance company may set up the policy to be non-renewed. If it is furnished, it is then considered unoccupied. You can advise your insurance agent what is being done to protect the home while the work is being done on the home.Some insurance companies will continue the insurance for an undetermined amount of time while the home is being readied for sale. Others will give you until the next renewal date and will then have the insurance either rewritten from a homeowner policy, or simply will not renew the policy.Please be aware that the policy will remain in your sister’s name, and if there is a claim, the check will be made payable to her. Be sure you have a system arranged for such a check to be deposited and/or cashed in the event of a covered loss.
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