When a loved one passes away, handling their estate can feel overwhelming. For families in Tucson, Arizona, one important step that’s often overlooked is reviewing insurance policies during the probate process. Understanding how insurance fits into probate can help protect your loved one’s assets and make the process much smoother.
What Is Probate?
Probate is the legal process that makes sure a person’s will is valid and their assets are properly distributed after they pass away. It involves identifying assets, paying off debts, and transferring property to heirs. In Tucson, the process can vary depending on the size of the estate — some estates even qualify for a simplified procedure.
Why Insurance Matters During Probate
Insurance plays a big role in protecting both the estate and the heirs. Here are a few key insurance considerations to keep in mind:
- Homeowners Insurance
If the deceased owned a home, make sure the property remains insured during the probate process. Empty homes can be at risk for damage, theft, or liability issues. Updating the policy to reflect the estate as the new owner can prevent coverage gaps. - Auto Insurance
Vehicles registered in the deceased’s name should stay insured until they are transferred or sold. This ensures protection in case of accidents or other incidents during the transfer period. - Life Insurance
Life insurance policies are usually separate from probate since they name specific beneficiaries. However, it’s still important to notify the insurance company and claim the benefits properly. - Health Insurance
If there are unpaid medical bills, check whether health insurance can cover any remaining costs. This can help reduce the estate’s financial obligations. - Liability Coverage
Keeping liability coverage active can protect the estate from potential legal claims while it’s being settled.
Tips for Managing Insurance During Probate in Tucson
- Contact each insurance company as soon as possible after the person’s passing.
- Update the policies to list the estate or the executor as the responsible party.
- Keep records of all payments, correspondence, and claim forms.
- Consult with an experienced Tucson Realtor or estate advisor to help manage insured assets like property.
Talk to a Tucson Real Estate and Probate Expert
If you’re managing an estate in Tucson and aren’t sure where to start, it helps to have someone who understands the process.
Ryan Comstock, a trusted Tucson Realtor, has experience helping families handle real estate during probate — including making sure the property stays protected and ready for sale when the time comes.
📞 Phone: 520-261-4669
🌐 Website: www.ryancomstock.com
📧 Email: ryancomstock@ryancomstock.com