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📄 Free One-Page Checklist

An Inherited Iowa House Can Lose Coverage 30 to 60 Days After It Empties

A free one-page checklist for executors and out-of-state heirs with an inherited Iowa house, from Sarah Ingles, REALTOR® SRES® CPCU®. Download it now; no sign-up required.

✓ SRES® Certified ✓ CPCU® Credential ✓ 10+ Years Property Adjuster 📍 Polk, Dallas, Warren Counties

What's on the page?

One printable page, four blocks. Most Iowa homeowner policies narrow or stop paying on a house that has sat empty for 30 to 60 days; this is the sequence that keeps the estate covered.

Why does this checklist come from a REALTOR®?

Most real estate guides on inherited property are written by agents who learned the topic in a weekend continuing-ed course. This one comes from ten-plus years on the property insurance side, and it stays in its lane: it tells you which questions to ask and who answers them. Sarah does not quote, place, or advise on coverage; when an estate needs a producer, she gives three licensed names and the family chooses.

Sarah Ingles earned the CPCU® designation — the gold standard in property and casualty insurance, granted by The Institutes — and later added the SRES® (Seniors Real Estate Specialist) certification from the National Association of REALTORS®. She holds both the SRES® and CPCU® credentials.

Today Sarah's practice is exclusively focused on probate, inherited property, and senior transitions across Polk, Dallas, and Warren Counties. That narrow focus is intentional: the families she serves are usually mid-grief, mid-paperwork, and out-of-state — and they need someone who already knows where the trapdoors are. The vacant home insurance gap is one of the biggest, and one of the most expensive. This checklist exists because she watched it cost families thousands of dollars before they even got to the closing table.

Sarah Ingles · REALTOR® SRES® CPCU® · Iowa License #S73007000 · Smart Move Des Moines, brokered by Fathom Realty. Serving probate and inherited property across the Des Moines metro. Related reading: Probate REALTOR® in Polk County, Iowa · Sell an Inherited House in Des Moines.

Prefer it by email?

Download the checklist here, no sign-up. Or enter your name and email and the link arrives in your inbox within a few minutes. No sales calls.

Free, no strings. Sarah may follow up once to see if you have questions.

Smart Move Des Moines respects your inbox. Your information is never sold or shared.

Quick Questions

How do I get the checklist?

Download it here, no sign-up. If you use the form instead, the same link is emailed to you within a few minutes.

Is there any cost?

No. It's a free educational resource.

Will you call me?

No automated calls. If you'd like to talk, you can book a free 30-minute consultation at smartmovedsm.com/book — but it's entirely optional.

Who is this for?

Iowa executors, adult children helping aging parents, and out-of-state heirs managing inherited Polk, Dallas, or Warren County property.

Can I share it?

Yes. Print it, forward the PDF to family, or hand it to the estate's attorney. Nothing to sign.

Get the Checklist

📄 Download the Checklist (PDF)

Prefer to talk first? (563) 513-8771 · sarah@smartmovedsm.com
Sarah Ingles · REALTOR® SRES® CPCU® · Iowa License #S73007000
Smart Move Des Moines · Brokered by Fathom Realty · Equal Housing Opportunity

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