Insurance policies after a death in Norway

After a death, relatives need to establish which policies still cover the home, household contents and valuables, how premiums are paid, and whether policies should be changed or ended. This differs from the insurance value of the objects. Having a valuation does not by itself establish which policies apply.

Check the particular policy

As a documented company example, Gjensidige states that the house and contents remain insured after a death as long as the insurance is paid. DNB also describes relevant non-life policies continuing while paid and asks relatives to contact it for clarification. These are the providers’ own statements, not a guarantee of cover with every company or for every loss.

Gjensidige also states that transferring or cancelling a policy requires a copy of the estate certificate and authorisation from the other heirs where there are several. Ask your own insurer which documents it needs in the particular case. Do not automatically apply one provider’s procedure to another contract.

Before moving contents or clearing the property

Record policy numbers, insurers, payment arrangements and the person following up. Practical example: an inherited painting collection may remain in an unoccupied property while the family considers selling it. Ask the insurer to clarify in writing what the contract provides while the property is empty and if objects are moved into storage or transported elsewhere. Do not assume cover for a changed situation.

This practical overview concerns Norway and was source-checked on 2 November 2026. The insurer must clarify the policy, conditions and any claim.

Next step

Once insurance questions are resolved, request an OBA estate and household contents site visit. Explain what the family will retain and what should be assessed for purchase or clearance.