When my mother died, in 2013, she owned two cars. The insurance company told me that the policy would continue, but that only I, the personal representative of the estate, was allowed to drive them.

The homeowner's policy could have gone very, very badly if not for the company really doing us a solid. Mom had transferred the house to her trust, but hadn't changed the insurance. Two years after she died, there was a plumbing disaster that wound up costing over $90k to fix, and the insurance company could have told us to pound sand because the policyholder was deceased. But I'd been paying the premiums, so they agreed to cover the claim and keep the policy alive through the end of the next year, which was long enough to get the repairs done. My sister owns the house now.