A few questions after obtaining letters of administration

nameloc2080

My mother passed away at the start of the year and she had no will. I have since obtained letters of administration but have a few questions:

1. The house (owned outright in my Mum's name) was left for her three children and we intend to sell it in the next few months. In the meantime before we sell do we have to change the names on the title deeds with the land registry?

2. I personally am now living in the property with the intention of moving out once it is sold. This is in agreement with her other children. When I informed the house insurance company that my mother had died they cancelled the insurance straight away and could offer me no other insurance. Can I take out insurance in my name as the administrator?

Dave_5150

1. No it will get transferred to the buyer as part of the conveyancing work for the sale.

2.My experience was different as the insurer changed the policy to an executor policy. I can't see any reason why you shouldn't be able to get cover in your name if you are living there. Perhaps try calling a few insurers.

Marcon

nameloc2080 said:

My mother passed away at the start of the year and she had no will. I have since obtained letters of administration but have a few questions:

1. The house (owned outright in my Mum's name) was left for her three children and we intend to sell it in the next few months. In the meantime before we sell do we have to change the names on the title deeds with the land registry?

2. I personally am now living in the property with the intention of moving out once it is sold. This is in agreement with her other children. When I informed the house insurance company that my mother had died they cancelled the insurance straight away and could offer me no other insurance. Can I take out insurance in my name as the administrator?

1. No. You sell as the administrator, and with 'limited title' if you've only been living there for a limited time (which means you can't/don't have to answer all the questions you might otherwise have to answer as a seller - your solicitor will advise).
2. The priority is to get insurance as a matter of urgency, whether in your own name as the occupant or as the administrator. Provided you are open and honest with the insurer, it shouldn't be too difficult.

Savvy_Sue

Could try a broker to save contacting multiple insurers.