Insuring a deceased parents' home during the estate settlement and probate process is possible, but you must notify the insurance company immediately that the policyholder has passed away. Standard home insurance policies often contain vacancy clauses that automatically void coverage if a home remains unoccupied for more than 30 consecutive days. To maintain valid protection while the estate is settled, the executor or administrator must transition the standard policy into an "Estate" or "Executor" property insurance policy designed to cover unoccupied homes during probate.
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