When a person dies, how long will the homeowner’s insurance last , when the house has been emptied

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 15, 2012

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Insurance Question from Columbus, OH

Asked on 02/15/2012

When a person dies, how long will the homeowner’s insurance last , when the house has been emptied NULL

Answer given on February 15, 2012

Insurancee companies do not like to insure a vacant home. Vacant homes are a target to thieves and vandals. The exposure to a large loss is greatly increased on a vacant home and that is why insurance companies do not like to insure them. When they learn a home is vacant they will either cancel the insurance or add a vacancy endorsement to the policy, which increases the premium substantially.You should keep furniture in the home until you decide what you are going to do with the house. That way the home is considered unoccupied rather than vacant. You could also rent the property out and change the insurance to a rental dwelling until a decision is made about what to do with it. If you intend to sell the home, it is again a good idea to keep furniture in the home for staging purposes.There are some insurance companies who will write insurance on a vacant home but it is very expensive and there may be restricted insurance – such as no coverage for vandalism.

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