Policy Structure & ProvisionsQuestion 473 of 474
When a named insured dies during the policy period, coverage on the covered property continues for:
a.The deceased's legal representative
b.The buyer of the property at probate
c.No one, since the policy ends at death
d.Any heir who is named in the will
Explanation
The death of the named insured condition keeps the property covered by naming the legal representative of the deceased as an insured for that property, and by covering any person who has proper temporary custody of the property until a representative is appointed. Coverage does not simply stop at the moment of death, and an heir named in a will is not automatically the person the condition protects.
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