Insuring Unoccupied Property
When someone passes away, their property may be left unoccupied during the probate process. Standard home insurance policies usually do not cover an unoccupied house, leaving it vulnerable to risks such as vandalism, theft, escape of water and damage from bad weather. This is where probate property insurance becomes necessary to protect the property.
Birnbeck Insurance Brokers provides specialist unoccupied property insurance to protect the deceased person’s estate. We offer flexible policy terms, nil excess and no inspection requirements, making it easier for executors to manage the estate’s assets.
Our unoccupied direct property insurance is designed for use by solicitors, executors, attorneys and deputies. Call us today on 01934 522 252 to discuss your probate house insurance needs and get a tailored quote.
What Is Probate Property Insurance?
Probate property insurance is designed to cover properties left unoccupied following the death of the owner. Unlike standard home insurance, this policy provides cover for the specific risks associated with an unoccupied home during probate.
You may need probate house insurance cover if the deceased’s estate includes a property left unoccupied, if probate delays mean the house is vacant for an extended period, if the existing policy does not provide sufficient cover for an empty house or if the property remains unoccupied while awaiting sale or transfer.
Our policy can be used if the property is unoccupied due to the owner passing away, moving into care or relocating to live with family members. It provides cover for residential properties with up to seven bedrooms under a notional buildings sum insured of £1m. Contact Birnbeck Insurance Brokers today on 01934 522 252 to find out how we can help you protect your property.
How Can I Protect My Unoccupied Property?
Probate property insurance offers a range of protections tailored to unoccupied homes. Birnbeck Insurance Brokers provides cover for various risks, ensuring your property remains protected while the legal process is finalised.
Property Damage Protection
Property damage protection covers damage from fire, storms, escape of water, and vandalism. This ensures that any necessary repairs can be carried out, helping to maintain the property value and prevent further deterioration.
Liability Cover
Liability cover protects executors and beneficiaries from claims arising from accidents on the property. It includes legal cover for disputes or liability claims, ensuring that any unexpected legal costs are covered.
Legal Expenses Insurance
Legal expenses insurance covers legal costs associated with probate disputes, tax issues, and contract disagreements. It also helps with compliance in cases involving intestacy laws, providing essential legal support when needed.
Unoccupied Property Cover
Unoccupied property cover provides unoccupied home insurance for buildings, contents and security measures. It covers specialist risks, including liability claims and property damage, ensuring the property remains protected throughout the probate process. To learn more about how we can help, speak to us on 01934 522 252 or enquire online today.
The Benefits Of Probate Property Insurance
Probate property insurance provides protection against common risks such as escape of water, vandalism, fire and storm damage. It includes public liability protection, ensuring executors are legally responsible for any claims.
The policy offers flexible periods of cover on a 3, 6, 9 or 12 month basis. Unlike standard home or unoccupied insurance policies, there are no inspection requirements, making it easier for executors and family members to manage the policy.
It also includes specialist cover tailored to probate properties, protecting against the unique risks of an unoccupied home. Upon completion of probate, cover may continue up to the natural renewal date of the policy, provided there is no change in circumstances at the property.
Get A Quote On Probate Property Insurance Today
Birnbeck Insurance Brokers has been providing property insurance since 1974. Our team has over 80 years of combined experience in tailoring insurance policies to meet your needs. We specialise in unoccupied property insurance and offer policies with nil excess, no inspection requirements and flexible terms.
As an independent insurance provider, we work with leading insurers to offer policies tailored for probate property, unoccupied house insurance and executor insurance.
Please get in touch or call us on 01934 522 252 to see how we can help make the purchasing of insurance that bit easier. Whether you need guidance on the right cover or assistance with managing risk, we are here to help.
