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When someone passes away, sorting out their estate is rarely straightforward — and for many families, one of the biggest practical challenges is what happens to their home. Properties that form part of a deceased person's estate are known as probate properties, and understanding how the probate process works can make a difficult time a little easier to manage. In this article, we look at what probate properties are, why they're often sold, and, importantly, how to keep them p

For most people, when thinking about insuring a property, they naturally focus on its market value — what it would sell for today. But when it comes to insurance, market value is almost irrelevant, and the figure that truly matters is the rebuild cost. This is one of the most misunderstood areas of property insurance, and yet it really is the foundation of whether your cover will respond properly in the event of a claim - very important indeed!

Properties become unoccupied for various reasons. Maybe you’re preparing for renovation work, the owner has moved into long-term care, or the home is tied up in probate. Whatever the situation, once a property is empty, it enters a different category in the eyes of insurers — and that’s where things can get a little confusing. This practical guide to unoccupied property insurance breaks down what you need to know.