The standard owner’s insurance on a home often lapses automatically upon death or vacancy, quietly leaving the estate exposed. Many representatives discover the gap only after there’s a break-in or water leak.

This checklist helps attorneys, staff, and heirs quickly identify risk, update the policy, and document compliance for the file.

What’s inside:
– Questions to ask about the current policy (is it occupied, vacant, or tenant-occupied?)
– Timeline: when to call the insurer after death, vacancy, or move-in/out
– Red flag issues (delayed notification, uninsured occupant, restricted claims)
– Sample log language for estate files/case notes

Use it as a one-pager for your files, staff, or clients—every estate property file should have this review by default.