Updated 2026-11-01
When you become responsible for a house after a death, a few calls in the first weeks protect the property and make the rest of the process easier. This is not legal advice; an estate attorney can tell you what your role requires.
The homeowners insurer
Look for the declarations page in the home's files or the deceased person's email. Call the insurer, report the death, and ask:
- Does coverage continue, and for how long?
- Who does the insurer consider insured now?
- What does the policy say about an empty or unoccupied home?
- How should premiums be paid going forward?
The mortgage servicer
If there is a mortgage, the lender will want to know about the death and will want insurance to continue. Ask about payments and how the servicer communicates with the estate.
Utilities
Keep electricity, heat and water service in place unless the insurer or a professional advises otherwise. Heat helps prevent frozen pipes in cold climates. Ask the utilities how to transfer accounts to the estate.
Mail and deliveries
Forward mail so bills and insurance notices reach you. A pile of mail on the porch can signal an empty house.
Neighbors
A trusted neighbor who can watch the home and call you if something looks wrong is invaluable. Leave your phone number.
Other policies
Check for flood, umbrella and auto policies. Each may need attention, and an auto policy covering a car in the garage should not be cancelled until the car is sold or transferred.
Keep notes
Write down each call: the date, who you spoke with and what they said. Estate accountings and future claims go more smoothly with good notes.