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Yes. The homeowner's claim could be pursued by their probate estate (executor or personal representative). Most coverage would not automatically terminate anyway at the death of the homeowner, so the estate of the insured person would be the recipient of any proceeds. Normally wills have language to address that insurance proceeds are payable to the named beneficiary of an asset in lieu of the asset if it is destroyed. And most homeowner's policies are for a defined term, so as long as the policy is in effect, it should cover a claim arising during that time period.

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Q: Does an insurance company still have to pay a homeowners claim if it was filed before the person died?
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