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Notify insurer; update occupancy if the property is empty during probate
Some steps differ by region inside the country.
Where
The buildings and contents insurer, whose details are on the policy schedule or the annual renewal notice.
How
Find the policy schedule in their filing or email, insurers send renewal notices annually.
Tell the insurer about the death and whether the property is now unoccupied.
Ask them to confirm cover in writing during the administration period, some issue a specific unoccupied property policy.
Keep paying the premium from the estate, and do not let the policy lapse.
What to bring
The policy number
A certified copy of the death certificate
Details of who is now living in or looking after the property
Timing
Notify within days. Most policies restrict cover after around 30 days unoccupied.
This is practical information, not legal, medical, or financial advice.