About this service
Are you an insurance company or law firm?
Neither. EstateCoverage forwards requests to licensed agents and partners and does not give legal advice.
Is the request free?
Yes. Families and executors are not charged for a request.
Who will contact me?
An agent or partner licensed to write vacant or estate homes may contact you by phone, text or email, as you agreed.
I live in another state. Can I still insure the home?
Usually yes. Insurance is based on the property's location. Explain how the home will be checked.
The home needs repairs. Can it be insured?
Often, though serious damage may limit options. Describe the condition honestly.
What about the car in the garage?
Vehicles need their own auto coverage. Contact the auto insurer separately.
Does the estate need flood insurance?
Flood damage is generally excluded from homeowners policies. Check whether the deceased had a flood policy and whether it can continue.
Can I insure a home held in a trust?
Yes, often with the trust or trustee named. Tell the agent how the home is titled.
How do I stop messages?
Reply STOP to a text, let the caller know, or use our privacy page form.
Coverage questions
Who should call the insurer?
Usually the executor or administrator. If one has not been appointed, a family member can report the death and ask about next steps.
Is a vacant home policy more expensive?
Vacant homes are often priced higher than occupied ones because the risks are greater. Compare options.
Can the executor be named on the policy?
Often yes. Ask the insurer whether to list the estate or the executor as an insured.
Should the estate cancel the policy when the house is sold?
Wait until the sale closes, then cancel effective that date.