Question on homeowners insurance on home still in deceased person's name

[JRC1967]

What is the name of your state (only U.S. law)? Michigan

Hello -

I am currently living in the house that I lived in with my mother. She passed away a few months ago and we still have not probated the will. Her homeowners insurance has now run out & I need to know how I can insure the property. My brother and I were to split everything 50/50, which will include the house. I know the house needs to be insured, I am VERY nervous that it is not right now, but I am unsure how we can insure it since we do not own it. The house was owned free and clear, so there is no mortgage in the picture. Do I have to wait until we probate and then have the insurance in both my name and my brother's name to make it legal?

Thanks for any help/advice you can give!

 

[justalayman]

it sounds like you need to open probate so the executor of the estate can purchase insurance for the property.