House insurance on deceased's property

Relbs

Not sure if this is the right place but someone might know-
Can I get contents cover for my mum's flat now she has passed away? Would that include carpets?

Yorkshireman99

Relbs wrote: »

Not sure if this is the right place but someone might know-
Can I get contents cover for my mum's flat now she has passed away? Would that include carpets?

Some insurers will and others will not. The executors should deal with this.

Tom99

[FONT=Tahoma, sans-serif]Try some online quotes and see what comes back.

[/FONT] [FONT=Tahoma, sans-serif]Be very careful to check the risks covered as they will often be severely curtailed when the property is empty for over a certain number of days. For example I would expect water damage to be excluded as no-one is there to see the leak, maybe even theft.[/FONT]

troubleinparadise

Phone around insurance companies - some will, some won't. There can be differences Whether the house is furnished or unfurnished - though I'm not sure why you are so concerned about carpets?

some stipulate that you should be visiting regularly; as it gets to colder weather some insurers like to have the water drained; others that the heating is running in low to prevent freezing in cold weather. It all depends on the company.

Linton

Talk to her current insurer. You will need to tell them of her death anyway.

There could well be problems with contents cover if the flat is unoccupied. "Unoccupied" has a precise meaning that may be different for each insurer.