My father passed away a year ago and was the joint owner of the house. The house insurance renewal was sent out just before he passed away. I did inform the insurance company of my father's death but at that point they said it would not make any difference to the premium.
I have had this years renewal notice come through and the contents premium has gone up by £61. Oddly the buildings insurance has gone down by £3.
They have stated that this is mainly due to the fact that the house is now occupied by one person and is a higher risk especially as it is 4 bedroom detached and would normally be occupied by a family.
There are several people living on their own in similar houses around here. Most of them had a family when they moved in several years ago but the children have now left home and their husband / wife passed away.
They have said their premiums did not increase suddenly after the death of the husband / wife.
I was married but my wife passed away in 2003 and at that time we owned a house just outside London. I lived in it for about 15 months after her death and can not remember a drastic increase in the insurance premium. I know it was husband / wife occupation in 2003 where as it was father / son last year but I can not see how this would make any difference.
Frank
Good Morning Spring Bank Holiday Monday 25th May 2026
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