Securing a Deceased Person's Property
How do I secure property after a death?
Change locks immediately and collect all keys. Notify insurance within 24-48 hours—most policies void if unoccupied 30+ days. Cancel deliveries, redirect mail, install timer lights, and arrange weekly property checks. Executors are personally liable if property isn't secured properly.
Have more questions on UK death administration? Let Farra help.
Contents
Immediate security steps
Take these steps as soon as possible after the death:
Physical Security
- Change all locks immediately - You don't know who has copies of keys
- Collect keys - From family, friends, neighbours, cleaners, carers
- Check all entry points - Windows, doors, garden gates, garage doors
- Install additional security - Window locks, door chains, security bars if needed
- Consider a security system - Alarms, CCTV, or smart home monitoring
- Secure valuable items - Remove or store securely jewelry, electronics, documents
Immediate Precautions
- Don't advertise the death - Avoid social media posts about empty properties
- Maintain normal appearance - Keep curtains as they were, collect post
- Remove signs of absence - Full bins, uncollected newspapers, overgrown garden
- Arrange regular visits - Family, friends, or neighbours checking the property
Property Security Checklist
Immediate Actions (First 48 Hours)
- Change all locks and collect all existing keys
- Notify insurance company of unoccupied status immediately
- Remove or securely store valuable items and important documents
- Check and secure all doors, windows, and entry points
Your responsibility as executor
Securing the deceased's property is not just about preventing theft - it's about preserving the value of the estate for the beneficiaries.
Take action quickly, document everything, and don't hesitate to seek professional help if the property is valuable or you're unable to manage it yourself.
Frequently Asked Questions
Why is it important to secure a deceased person's property quickly?
Empty homes are often targeted by criminals within days of a death becoming known. Quick action prevents theft, vandalism, and damage while preserving the estate's value for beneficiaries. As executor or administrator, you have a legal duty to protect the property.
Should I change the locks immediately after someone dies?
Yes, change all locks immediately as you don't know who has copies of keys. Collect keys from family, friends, neighbours, cleaners, and carers. This is one of the most important first steps in securing a deceased person's property.
Do I need to notify insurance if a property is unoccupied after death?
Yes, you must notify the insurance company immediately that the property is unoccupied. Standard home insurance typically doesn't cover unoccupied properties, and failure to inform insurers could invalidate your policy. They may require additional security measures or charge higher premiums.
How often should someone check an empty property after a death?
Arrange regular property checks ideally every 2-3 days, or at minimum weekly. Insurance companies often require regular inspections of unoccupied properties. Family, friends, or professional property management services can conduct these checks.
What should I do with valuables in the deceased's property?
Remove or securely store valuable items immediately, including jewellery, electronics, and important documents. Take them to a safe location, use a safe deposit box, or install additional security like a safe. Document what you remove for estate records.
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