In this case, we distinguish between whether the policyholder or the coinsured person dies.
The policyholder dies:
Household contents insurance: The personal belongings and thus also the household contents insurance pass to the heirs. They can cancel the household contents insurance.
Personal liability insurance: The insurance expires and the coinsured person must take out a new policy. If the policyholder was married to the coinsured person, the policy is transferred to the surviving spouse , who may reject it.
The coinsured person dies:
Household contents insurance: If the household contents of the coinsured person are inherited by people who do not live in the joint household, these items are no longer insured.
Personal liability insurance: The policyholder can have the joint insurance converted into an individual insurance.