Insuring a Ddeceased relatives home.

mogedwards

Can anybody help. My father died recently and although there is no will, if anything untoward happens to his house, I assume I will end up responsible for repair etc. I am particularly worried about the possibility of a break in resulting in damage or even the house being set on fire.

I decided to get the house insured, which I thought would be straightforward. The reality is, nobody wants to know, because the house will be empty.

Does anybody know if there are companies I can approach. (I have been to Fortis, which is the company promoted by Age Concern and they will not quote.)

rjm2k1

Wasn't the house already insured? His estate should be responsible for the continued well being of any assets like the house, until the estate is settled. Any existing insurance should be able to continue under the estate.

mogedwards

No, I have not been able to find insurance documents. I suspect he didn't bother but I don't want to find myself responsible for major repairs should the worse happen. The house itself is worth less than £50K but because it is terraced, any damage could impact on the neighbours.
Re the estate. Apart from the house, there isn't one.

mattymoo

Could you add it to your own household insurance as a second property? Insurers are generally more inclined to help existing customers.

Also worth searching this board for "empty" or "vacant" as the topic has cropped up a few times before with suggestions made