What Happens to Homeowners Insurance After a Policyholder Dies?

When a family member dies, it can bring a series of financial and insurance-related issues at an already difficult time. While life and health coverage usually come first, homeowners insurance should not be overlooked. In many cases, a homeowners policy does not automatically pass to a surviving spouse or named beneficiary, and coverage can become uncertain during estate settlement, probate, and the transfer of property ownership.