Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • napoleontoneparte
    • By napoleontoneparte 4th Dec 19, 12:44 PM
    • 1Posts
    • 0Thanks
    Help: Occupied House Insurance after Grant of Probate
    • #1
    • 4th Dec 19, 12:44 PM
    Help: Occupied House Insurance after Grant of Probate 4th Dec 19 at 12:44 PM

    Apologies if this has been answered before, but I am struggling to find an answer on how to insure my deceased mothers house, with my brother living there.

    Our mum died in July 2019, and as executor, we now have grant of probate, with the house being divided between me and my three brothers. SAGA were great, but as we are all <50 we cannot use them to extend the insurance.
    One brother is living in the house, and intends to do so for security/ease/decorating until we sell the house in the new year.

    So my questions. Do I need specialist house insurance in this scenario, if so any recommendations on companies to contact?
    Or can I insure as a regular occupant?
    Or do I need landlord insurance?

    Would really appreciate some steer in this please, I am sure we can't be unique in this situation.

Page 1
    • xylophone
    • By xylophone 4th Dec 19, 12:56 PM
    • 31,704 Posts
    • 19,664 Thanks
    • #2
    • 4th Dec 19, 12:56 PM
    • #2
    • 4th Dec 19, 12:56 PM

    You might ring and enquire?
    • Brynsam
    • By Brynsam 4th Dec 19, 6:22 PM
    • 2,402 Posts
    • 1,817 Thanks
    • #3
    • 4th Dec 19, 6:22 PM
    • #3
    • 4th Dec 19, 6:22 PM
    Have you specifically asked SAGA if they will allow you to renew the policy once the current term expires? You'd be doing so in your capacity as executors and that may alter the approach they take in regard to your ages.
    • Savvy_Sue
    • By Savvy_Sue 4th Dec 19, 9:45 PM
    • 40,293 Posts
    • 37,740 Thanks
    • #4
    • 4th Dec 19, 9:45 PM
    • #4
    • 4th Dec 19, 9:45 PM
    This is one of those situations where using a good old-fashioned broker can be very worthwhile, rather than using the comparison sites. A broker will KNOW who will be worth contacting for a quote in this situation.
    Still knitting!
    Completed: TWO adult cardigans, 3 baby jumpers, 3 shawls, 1 sweat band, 3 pairs baby bootees, 2 sets of handwarmers, 1 Wise Man Knitivity figure + 1 sheep, 2 pairs socks, 3 balaclavas, multiple hats and poppies, 3 peony flowers, 4 butterflies ...
    Current projects: pink balaclava (for myself), seaman's hat, about to start another cardigan!
    • getmore4less
    • By getmore4less 5th Dec 19, 6:10 AM
    • 38,059 Posts
    • 23,620 Thanks
    • #5
    • 5th Dec 19, 6:10 AM
    • #5
    • 5th Dec 19, 6:10 AM
    We just did regular house insurance and noted the beneficial interest of the other beneficiaries on the insurance.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

773Posts Today

6,266Users online

Martin's Twitter