Probate Insurance

We have a broad range of insurance products available:

  • Probate Property Insurance
  • Early Distribution Insurance
  • Section 27 Indemnity Insurance
  • Missing Beneficiary Insurance
  • Missing Will Insurance
  • Probate and Estate Finance

What is Probate Insurance

There isn’t a specific policy called probate insurance. However, it is often used by the executors or administrators of an estate to search for the various insurance policies they need.

If you search for Probate Insurance, you will likely see companies offering probate property insurance.  However, Probate Insurance is much more than that; there are several insurance policies to consider.

Why is probate Insurance important?

The liabilities of anyone appointed as an executor or administrator can be significant. They may not be apparent for many years, so it is essential to consider all the insurance options available to you.

Beneficiaries can also be affected by uninsured losses that reduce the estate's value or impact them financially in the future following a claim from a third party.  Disgruntled beneficiaries, frustrated about their losses and lack of insurance protection, can hold executors personally liable for not protecting them.

Such losses can be financially catastrophic for executors but avoidable with adequate insurance protection.

We have written an Executor Insurance Guide, which may also be useful.  The guide covers your risks, risk management and summarises the insurance policies available to you.

Our Probate Insurance Policies

Probate House Insurance

Probate House Insurance

Executors and administrators are legally responsible for insuring a property during probate.  To avoid future liability for uninsured losses, it’s crucial to arrange the right insurance policy. Insuristic offers a specialist Probate House Insurance policy suitable for any stage of the process. This policy can be arranged as soon as the property becomes empty, with cover ending when it is sold, inherited, or reoccupied. Flexible options are available for 3, 6, 9, or 12 months, with three levels of cover to suit your needs, and no fees for early cancellation.

Estate Protect Direct

Estate Protect Direct simplifies probate legal indemnity insurance for a wide range of individuals and professionals involved in estate administration. Whether you’re a DIY executor, working with a solicitor, or a solicitor arranging insurance for your clients, this solution is designed for you.

Get a quote online for Early Distribution, Section 27, Missing Will, and Missing Beneficiary Insurance, available as a package or standalone policies.

Estate Protect Direct
Early Distribution Insurance

Early Distribution Insurance

Help beneficiaries access their inheritance faster with an Early Distribution Insurance policy, without waiting for the statutory 6-month period to expire. This policy provides essential protection for executors, personal representatives, and beneficiaries against claims made under the Inheritance (Provision for Family and Dependants) Act 1975.

Section 27 Insurance

Section 27 Indemnity Insurance protects executors, personal representatives, and beneficiaries against legal liability from claims made by unknown creditors of the estate.

If an unknown creditor comes forward after the estate has been distributed, this policy covers the cost of defending the claim, associated expenses, and repayment to creditor, up to the chosen limit of indemnity.

The insurance is available whether or not a Section 27 notice has been issued.

Section 27 Indemnity Insurance
Missing Will Insurance

Missing Will Insurance

Missing Will Insurance is essential protection for executors and personal representatives, safeguarding them from liability if the estate is not distributed in line with the latest Will.

If a newer Will is discovered, the policy steps in to protect executors from legal liability and shields beneficiaries from the need to repay some or all of their inheritance. It covers legal costs and any awarded sums to a successful claimant, up to the indemnity limit selected by the executors.

Missing Beneficiary Insurance

Missing Beneficiary Indemnity Insurance provides vital protection for executors, administrators, and beneficiaries against financial claims made by missing beneficiaries after an estate has been distributed.

This insurance can be arranged in two scenarios:

  • When a beneficiary is known to exist but cannot be located.
  • When a beneficiary was unknown at the time of distribution.

The policy safeguards all parties involved in the estate administration process, offering peace of mind against unexpected claims.

Missing Beneficiary Insurance

Latest Probate Insurance related blog posts

About the Author

Rob Faulkner CEO of Insuristic

Hi, I'm Rob, CEO and Founder of Insuristic. My mission is to make insurance easier to understand and buy online.

I hold an Advanced Diploma in Insurance (ACII) which demonstrates I have a solid technical understanding of Insurance and have committed to continuous professional development. I am also a member of the Chartered Insurance Institute and hold the a Chartered Insurance Broker status.

Over the last 27 years, I have worked for insurers, insurance brokers and insurance technology businesses, specialising in product, sales and marketing.

You can find out more about me on my author page.

Probate House Insurance

  • Specialist policy only available from Insuristic
  • For Lay Executors, Administrators and Solicitors
  • Buy cover for unoccupied property in probate online in a couple of minutes
  • Insure probate property for 3, 6, 9 or 12 months
  • No charge for cancelling or changing your policy
  • House inspections that are easy to comply with
Probate House Insurance

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Insuristic Limited is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599.  This can be checked by visiting https://register.fca.org.uk/s/

Registered Office: Unit 2, 262 Walsall Road, Cannock, England, WS11 0JL.  Registered in England and Wales No: 13926650. 

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