Is house insurance still valid after owners death?

Answer 1

The policy may technically remain in force until the expiration date.

However, many homeowners insurance policies require that the house be continuously occupied in order that some coverages remain in force. Such policies generally specify the period which a house may be vacant, but yet considered to be continuously occupied. This takes into account, for example, extended vacations, or periods of vacancy while the owner seeks a new tenant.

Therefore, if a claim arises after the owner's death, and the house has been vacant for a prolonged period time, the insurer may have a basis for denying payment of the claim.