Who Pays Property Taxes, Insurance, and Utilites During Probate in Florida?
- Darlene Jones

- Mar 27
- 1 min read

The Estate Pays Ongoing Expenses
In Florida, the estate of the deceased is responsible for maintaining the property during probate. This includes:
Property taxes – These must continue to be paid to avoid penalties or liens against the home.
Homeowner’s insurance – Maintaining insurance protects the property from damage and ensures the estate’s value is preserved.
Utilities – Services such as electricity, water, and gas must be kept active to maintain the home, especially if it will be sold.
The personal representative (executor) of the estate is in charge of managing these payments. They typically use estate funds to cover these ongoing costs.
What If The Estate Lacks Funds?
If there is not enough money in the estate to cover taxes, insurance, or utilities:
Creditors or the lender may place liens on the property
Services may be discontinued, potentially affecting the home’s condition and value
The personal representative should communicate with creditors to avoid unnecessary penalties
Planning Ahead
Keeping these expenses current during probate ensures the property stays in good condition and avoids complications when it’s time to sell or transfer ownership. Hiring a Florida probate attorney or working closely with the personal representative can help ensure payments are made on time.
The Bottom Line
During probate, the estate is responsible for property taxes, insurance, and utilities, not the heirs personally. The personal representative manages these payments to protect the property and maintain its value until it can be legally transferred or sold.
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