Do I need to change the homeowners insurance when a home is willed in North Carolina?

Sure. When the ownership changes the homeowners insurance must also change. If the owner is not living in the home full time you must change to a different kind of policy. Once a owner is not living in the home for 90 days, coverage ceases no matter whether or not premiums are paid.

Yes, Homeowners insurance is property coverage specific to the named insured. Once the previous owner has passed away. The new owner will need to purchase coverage in their own name. This applies in all 50 U.S. states.