Homeowners renters
Notify agent or carrier; update occupancy and named insureds if the home changes hands
Some steps differ by region inside the country.
Where
The insurer named on the policy declarations page or the annual renewal notice.
How
Find the declarations page in their files or email, insurers send one at each renewal.
Tell the insurer about the death and whether the home is now vacant.
Ask for written confirmation of coverage during the estate administration, and ask about a vacant property endorsement if needed.
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 now occupies or maintains the property
Timing
Notify within days. Coverage is commonly reduced or excluded after around 30 to 60 days of vacancy.
This is practical information, not legal, medical, or financial advice.