2 Questions: 1. My friends mom died 2 years ago. They had a TOD to my DF, the house is her's. She has it up for sale and is living in it until it does. She's never taken the insurance out of her mom's name and put into her's. Does she need to? she pays the premium out of her checking account. 2. Another friends mom passed and the house is vacant until it sells. They've not notified insurance that house if vacant. What if they don't, what would happen? I know when a house is vacant the insurance is more expensive but if they don't tell what will happen? I'm trying to gleen some info to pass along to them so they can all do the right thing. Thanks for the help.