Home insurance during probate + lodgers

GrumpyDil

theoretica said:

p00hsticks said:

ben5053 said:

Online comparison sites start at £170 but then as i don't own the house they all wont ensure as it will be unoccupied.  I have no intention to chuck the lodgers out  

I'm not sure I follow - are the lodgers (who presumably now become tenants with all the legalities that entails) remaining, or is the property unoccupied ?

See about halfway down this page - they become tenants after 2 years, but do get some more rights immediately after resident landlord passes.

https://england.shelter.org.uk/professional_resources/legal/renting/change_of_landlord/tenants_rights_when_a_landlord_dies

That's all related to a tenancy where the landlord dies. This scenario relates to a case involving lodgers. 

p00hsticks

GrumpyDil said:

theoretica said:

p00hsticks said:

ben5053 said:

Online comparison sites start at £170 but then as i don't own the house they all wont ensure as it will be unoccupied.  I have no intention to chuck the lodgers out  

I'm not sure I follow - are the lodgers (who presumably now become tenants with all the legalities that entails) remaining, or is the property unoccupied ?

See about halfway down this page - they become tenants after 2 years, but do get some more rights immediately after resident landlord passes.

https://england.shelter.org.uk/professional_resources/legal/renting/change_of_landlord/tenants_rights_when_a_landlord_dies

That's all related to a tenancy where the landlord dies. This scenario relates to a case involving lodgers. 

No, as theoretica pointed out, there is a section that covers the OP's situation:

Where the deceased landlord was resident

When a tenant shares accommodation with their landlord they are usually an excluded occupier. For example, a lodger.

After a resident landlord dies the personal representatives can serve a notice to end the tenancy for up to two years from the date of the landlord's death.[9] As there is no longer a resident landlord, the occupier usually has basic protection and the representatives must obtain a court order after the notice expires.

Find out more about occupiers with basic protection on Shelter Legal.

After two years, the occupier becomes an assured shorthold tenant if they remain in occupation and meet the conditions.

Find out more about an assured shorthold tenancy on Shelter Legal.