If your relative dies and you inherit the house are you still covered with the homeowners policy until you decide deposition of the contents and the house?

The answer to this question is a tricky one. Technically, the home insurance policy should be in the name of the homeowner.  Otherwise, if a claim was filed, the homeowners insurance company could deny the claim. To be fully covered and protected- the homeowners insurance policy should be transferred into the current homeowners name. This might also depend on the specifics of your policy- so you should refer to the insuring agency for more information.