What to do when a Assurant account holder dies
Contact Assurant — 6-step process, 6 required documents, and policy cancellation and premium refunds are typically processed within 30 to 60 days after receipt of all required documentation. outstanding property damage claims follow standard claims processing timelines, generally 30 to 45 days. lender-placed insurance transitions depend on the mortgage servicer's timeline.
Assurant Customer Support
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Corporate Headquarters (Atlanta)
New York Office
Chicago Office
Renters Insurance
Flood Service Center (NFIP)
Private Flood (Voyager)
Automotive Customer Service
Service Protection Advantage (Appliances)
WebsiteLearn more→
Assurant Customer Support
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Corporate Headquarters (Atlanta)
New York Office
Chicago Office
Renters Insurance
Flood Service Center (NFIP)
Private Flood (Voyager)
Automotive Customer Service
Service Protection Advantage (Appliances)
WebsiteLearn more→
Claims and Policy Services
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Renters Insurance Claims
Flood Service Center (NFIP)
Automotive Claims
WebsiteNotify online→
Verified Apr 2026
Filing a death claim on a Assurant policy begins with notifying the Claims and Policy Services at 1-800-358-0600. Life insurance claims are separate from probate—proceeds transfer directly to named beneficiaries regardless of whether the estate goes through court. The timeline and documentation requirements depend on the policy type and cause of death.
To start, call Assurant at 1-800-358-0600. Have the account holder's full name, account numbers, and a certified death certificate ready before you call.
Death claim process
The death claim process at Assurant works as follows:
Filing a claim
1
Identify which Assurant product(s) the deceased held (renters insurance, homeowners insurance, device protection, extended warranty, vehicle service contract)
2
Contact the appropriate Assurant department or distribution partner:
- Renters insurance: call 1-800-432-8612 or log in to manage.myassurantpolicy.com
- Lender-placed homeowners insurance: contact the mortgage servicer who placed the policy
- Flood insurance: contact the Assurant Flood Portal at assurantfloodport.com
- Mobile device protection: contact the wireless carrier directly
- Extended warranties: contact the retailer's support portal
- Vehicle service contracts: call the number on the contract or visit vehiclecareplan.com
3
Provide a certified death certificate and proof of authority as estate executor or personal representative
4
For renters insurance, file any outstanding property damage claims before the policy lapses; the estate may be entitled to claim proceeds for covered losses that occurred before the policyholder's death
5
Request cancellation of the policy and any applicable premium refund for the unused policy term
6
For lender-placed insurance, the mortgage servicer coordinates with Assurant; the estate executor works with the servicer to resolve the mortgage and associated insurance
Required Documents
- Certified death certificate
- Letters testamentary or letters of administration (proof of estate representative authority)
- Policy number or account information for the relevant Assurant product
- Government-issued ID of the estate representative
- Mortgage account information (for lender-placed and flood policies)
- Documentation of any outstanding claims (damage reports, police reports for theft)
Assurant does not offer traditional life insurance death benefits. When a policyholder dies, the primary actions are filing any outstanding property or casualty claims, canceling active policies, and obtaining premium refunds for unused coverage. For renters insurance, the estate can file claims for covered losses that occurred before the date of death. Personal property covered under the policy belongs to the estate and is distributed according to the will or state intestacy laws. For lender-placed insurance, the mortgage servicer is the primary point of contact and coordinates with Assurant on policy changes.
Processing timelines at Assurant: Policy cancellation and premium refunds are typically processed within 30 to 60 days after receipt of all required documentation. Outstanding property damage claims follow standard claims processing timelines, generally 30 to 45 days. Lender-placed insurance transitions depend on the mortgage servicer's timeline. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Assurant requires several documents to process a claim, including Certified death certificate, Letters testamentary or letters of administration (proof of estate representative authority), and Policy number or account information for the relevant Assurant product, and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
No. Assurant divested its individual life insurance and employee benefits divisions in prior years. The company now focuses on specialty insurance and protection services across three segments: Global Housing (renters insurance, lender-placed homeowners insurance, manufactured housing insurance, flood insurance), Global Connected Living (mobile device protection, extended service contracts), and Global Automotive (vehicle service contracts, GAP insurance). Assurant's products do not include traditional life insurance death benefits or beneficiary designations in the estate planning sense.
Log in to the Manage My Policy portal at manage.myassurantpolicy.com to file a claim online with quick submission and real-time status updates. You can also call 1-800-358-0600 for claims assistance. Assurant offers 24/7 claims support. Have your policy number, details of the loss, and any supporting documentation (photos, police reports for theft) ready when filing.
Lender-placed homeowners insurance is placed by the mortgage servicer, not the borrower directly. When the borrower dies, the estate executor should contact the mortgage servicer to discuss the mortgage and associated insurance. The mortgage servicer coordinates with Assurant on any policy changes. If the estate maintains the property and obtains its own homeowners insurance, the lender-placed policy is typically canceled. The estate should maintain adequate property insurance on the home until it is sold or transferred.
Assurant policyholders can manage their renters insurance, homeowners insurance, and manufactured housing insurance through the Manage My Policy portal at manage.myassurantpolicy.com. The portal allows you to make payments, change your address, file claims, and check the status of existing claims. For mobile device protection, use the My Wireless Claims portal at mywirelessclaim.com. For flood insurance claims, use the Assurant Flood Portal at assurantfloodport.com.
No. Renters insurance is a property and casualty policy, not a life insurance product. It does not have a beneficiary designation or death benefit. The policy covers personal property and liability for the named insured and any additional insureds listed on the policy. If the policyholder dies, the estate representative can file claims for covered losses that occurred before the date of death and request cancellation with a refund of any unused premium.
While Assurant does not sell life insurance or products with traditional beneficiary designations, several products are relevant when settling an estate. Renters insurance policies should be maintained to protect the deceased's personal property until it is distributed. Lender-placed homeowners insurance is tied to the mortgage and must be addressed when the estate handles the property. Vehicle service contracts and extended warranties may be transferable to heirs who inherit the covered property. The estate executor should inventory all Assurant policies and contracts, file any outstanding claims, and cancel policies that are no longer needed.
File a flood insurance claim through the Assurant Flood Portal at assurantfloodport.com. You can also contact the Flood Service Center at 1-800-423-4403. Have your policy number, details of the flood damage, and supporting documentation (photos, receipts) ready. Flood claims follow standard NFIP processing timelines for policies written through the National Flood Insurance Program.
Log in to the Manage My Policy portal at manage.myassurantpolicy.com to view your manufactured housing insurance policy, make payments, file claims, or update your information. You can also call Assurant customer support at 1-800-358-0600. If your policy was placed through a mortgage servicer, contact the servicer directly for questions about coverage requirements.
Assurant's Claims and Policy Services can be reached by phone at 1-800-358-0600 for questions throughout the claims process.
If the deceased held multiple Assurant policies, each may require a separate claim or have different documentation requirements. The Claims and Policy Services can confirm which accounts require individual attention and which can be processed together.
Assurant Customer Support
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Corporate Headquarters (Atlanta)
New York Office
Chicago Office
Renters Insurance
Flood Service Center (NFIP)
Private Flood (Voyager)
Automotive Customer Service
Service Protection Advantage (Appliances)
WebsiteLearn more→
Assurant Customer Support
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Corporate Headquarters (Atlanta)
New York Office
Chicago Office
Renters Insurance
Flood Service Center (NFIP)
Private Flood (Voyager)
Automotive Customer Service
Service Protection Advantage (Appliances)
WebsiteLearn more→
Claims and Policy Services
Phone1-800-358-0600
Mailing Address
Assurant, Inc., 260 Interstate North Circle SE, Atlanta, GA 30339-2210
Renters Insurance Claims
Flood Service Center (NFIP)
Automotive Claims
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Assurant accounts and other assets with trusts, beneficiary designations, and estate planning documents.
