If My Partner Has Died Can I Stay In The House?

My Partner Has Died Can I Stay In The House

If my partner has died, can I stay in the house? 

In this article, you’ll learn about:

  • when you can and can’t stay in the house
  • ownership structures that allow you to stay in the house
  • survivorship rights that you may have
  • how your partner’s will determines your ability to stay in the house

Let’s dig in.

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My Partner Has Died Can I Stay In The House

When your partner dies, you can stay in the house if you owned it in joint tenancy. 

You will have survivorship rights and own 100% of the property. 

Let’s say you owned it in tenants in common. 

In this case, their portion of the property will go to their beneficiaries. 

Let’s say there was no co-ownership. 

In this case, you will not be able to stay in the house when your partner dies. 

You’ll have to move out during the probate process. 

How Long Can A Partner Stay In The House After Their Partner Died?

How long a partner can stay in the house after the owner’s death depends on things like: 

  • the laws of the state where the property is located
  • the terms of any lease or rental agreement
  • the specific circumstances of the situation

Either you’ll:

  • get to remain in the property for a bit of time
  • be required to leave immediately

Let’s say the surviving partner has a legal right to stay in the house. 

They may be able to continue living there without interruption. 

For example, if the surviving partner were a joint owner of the property

They can continue living there after the other owner’s death. 

This is because the property automatically transfers to them on the death of a partner. 

But, let’s say the surviving partner does not have a legal right to stay in the house. 

They may be required to vacate the property within a certain period of time. 

Here are some examples of states and how long a partner can stay in the house.  

  • California: A partner can remain in the house for up to 6 months after the owner’s death. (Even if they are not the owner of the property.) In some cases, the court may extend the period for up to 1 year.
  • New York: A partner who was not a joint owner of the property can stay in the house for up to 1 year after the owner’s death.
  • Florida: A “surviving spouse’s elective share” gives the right to live in the marital home for the rest of their life. Or until they choose to sell or vacate the property.
  • Texas: A surviving spouse who was not a joint owner of the property may have the right to remain in the homestead for life. Or until they choose to sell or vacate the property.

You’ll need to read the local state laws on how long you can stay in the house. 

Search for things like:

  • probate laws
  • estate laws
  • surviving spouse rights of occupancy
  • right of possession after death

These searches should get you started. 

After that, you may need to consult a probate attorney.

Survivorship Rights

This table explains the differences in rights between

  • spouses 
  • non-spouse partners

Spouses are individuals who are legally married. 

And non-spouse partners are in a committed relationship but are not married.

The chart highlights several legal rights spouses have, but non-spouse partners don’t. 

One of the most significant differences is the right to stay in the marital home. 

When a spouse passes away, the surviving spouse has the right to stay in the marital home. 

But a non-spouse partner does not have this right. 

This can be particularly difficult for non-spouse partners who:

  • have been living with their partner for a long time
  • do not have any legal rights to the property
RightSpousal RightsNon-Spouse Partner Rights
Right To Stay In The Marital HomeX
Right To An Elective ShareX
Right To InheritX
Right To Receive Social Security BenefitsX
Right To Receive Pension BenefitsX
Right To Access Joint AccountsX
Right To Make Funeral And Burial DecisionsX
Right To File Wrongful Death LawsuitX
Right To Intestate SuccessionX
Right To File Estate Tax ReturnX

Surviving Spouse Rights

Here are some survivorship rights of a spouse that may vary by state:

  • Right to stay in the marital home. Often, a surviving spouse has the right to remain in the marital home. This is true even if the property was solely owned by the deceased spouse.
  • Right to an elective share. Some states have laws that give the surviving spouse the right to receive a part of the deceased spouse’s estate. This is true even if the deceased spouse left a will that did not provide for the surviving spouse.
  • Right to inherit. Let’s say the deceased spouse died without a will or trust. The surviving spouse is generally entitled to a part of the deceased spouse’s estate.
  • Right to receive Social Security benefits. Let’s say the deceased spouse was receiving Social Security benefits. The surviving spouse may be entitled to receive survivor benefits.
  • Right to receive pension benefits. Let’s say the deceased spouse was receiving a pension. The surviving spouse may be entitled to receive survivor benefits.
  • Right to access joint accounts. Let’s say the surviving spouse was a joint account holder on bank accounts or other assets. They may have the right to access those accounts.

Right to make funeral and burial decisions. The surviving spouse has rights to make decisions for the funeral and burial arrangements.

Surviving Partner Rights

Non-spouse partners do not have the same survivorship rights as a spouse. 

But, situations where a non-spouse could have rights:

  • Joint tenancy with right of survivorship. Let’s say the deceased person held assets in joint tenancy with a non-spouse. The partners may have the right of survivorship to those assets.
  • Beneficiary designations. Let’s say the deceased person named a non-spouse as a beneficiary on a life insurance policy, retirement account, or other assets. The partners may be entitled to receive those benefits.
  • Estate planning documents. Let’s say the deceased person created a will or trust that provided for a non-spouse. The partners may have the right to inherit assets or receive other benefits.

How Ownership Affects If You Can Stay In The House

The ownership can determine the right of a partner to stay in the home after the other owner’s death. There are several types of ownership structures that may apply, including:

  • joint tenancy
  • tenancy in common

Joint Tenancy

Joint tenancy is co-ownership where people own the property together. 

When one owner dies, their share automatically passes to the surviving owner. 

And this happened without going through probate

In joint tenancy, each partner has:

  • an equal right to the property
  • a right of survivorship

When one owner dies, the other partner automatically inherits that share of the property. 

Let’s say a partner owns the property in joint tenancy with their deceased partner. 

The surviving partner will have the right to stay in the house.

Tenancy In Common

Tenancy in common is another form of co-ownership. 

In a tenancy in common, each owner has a specific percentage interest in the property. 

And they can sell or transfer their share without the other owner’s permission. 

When one owner dies, their share of the property passes to their heirs via probate. 

And it does NOT automatically to the other partner. 

Let’s say a spouse owns the property in a tenancy in common with their deceased partner. 

The surviving spouse may still have the right to stay in the house. 

But this will depend on the specifics of the situation.

How Probate And Wills Determine If You Can Stay In The House

The probate process will determine your right to stay in the house after your partner’s death. 

If your partner had a will, the property gets distributed per their wishes. 

If they did not have a will, the property gets distributed per the intestacy laws

Let’s say the property is subject to probate

It may take some time before the distribution gets finalized. 

This can affect your ability to stay in the house. 

And it could give you some extra time in the house. 

The property may need to get sold to pay off debts or distribute assets to heirs. 

This would result in you needing to vacate the property.

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