Insurance Claims
Does homeowner's insurance continue after a death?
Short answer
Coverage typically continues through the current policy period but should be reviewed and potentially updated. Notify the insurer of the death. If the home is going to be vacant for an extended period, standard homeowner's policies often exclude coverage for vacant properties…
What this usually means
Coverage typically continues through the current policy period but should be reviewed and potentially updated. Notify the insurer of the death. If the home is going to be vacant for an extended period, standard homeowner's policies often exclude coverage for vacant properties — ask about a vacancy endorsement.
What to do next
- Start the PathAfter checklist for situation-aware first steps.
- Find California county help for coroner contacts, vital records, cost tools, and paperwork.
- Open the First 72 Hours Call Log before making calls.
- Open the Documents to Find Checklist when you are ready for paperwork.