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My father was insured by Aviva and he passed away 3 weeks ago. I advised the broker so they would know the house was vacant. I still maintain the lawn service and the home alarm. I also have timers on different lamps and I visited the house once a week. Since I have advised the broker, Aviva has cancelled all coverage except fire, increased the deductible and premium, and charged for a vacancy permit. I still have not buried my father. My home insurance maintains the same coverage for 6 months after a person dies. Check your policy well.