It's the homeowner's responsibility to notify the insurance company of any changes in their status. If the policy is in both spouses' names and one dies, it must be changed to the surviving person (any refund checks issued to a deceased cannot be cashed).
Once the house is no longer a "residence" and becomes a rental or income producing property, the rate goes up dramatically due to a higher risk of damage, vandalism, fire,etc. hence the large increase.
It was time for the daughter to step in for her elderly mom and make the phone calls or contact the issuing agent/insurance company. There was a new bill in the mail at some point...READ IT...
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