Utilities
Utility decisions should be based on the condition of the property, the season, insurance requirements, and the estate's long-term plans. Before disconnecting essential services, make sure doing so will not create additional risks or expenses.
One of the first questions many executors ask is whether they should turn off the utilities to save money. While reducing unnecessary expenses is important, shutting off the wrong service too soon can lead to frozen pipes, moisture problems, security concerns, or delays in preparing the property for sale.
Start with a plan, not assumptions
Every property is different. A home that will remain occupied has different needs than one that will be vacant for several months. Consider how the property will be used before making changes to utility services.
Utilities you will often keep active
Many estate properties continue to require basic utility service, even when no one is living in the home.
- Electricity for lighting, sump pumps, alarms, and inspections.
- Natural gas or heating fuel during colder months.
- Water service to prevent maintenance issues and support cleaning.
- Internet or phone service if required for alarm or monitoring systems.
Utilities that may be reduced or disconnected
Once you understand the property's needs, some optional services may no longer be necessary.
- Cable television.
- Streaming services.
- Premium internet plans.
- Subscription-based home services that are no longer being used.
Think about the season
A vacant home in January should usually be managed differently than one in July. Heating, air conditioning, irrigation systems, and exterior water lines may all require seasonal attention. Protecting the property is often more important than achieving small short-term savings.
Keep good records
Record every utility account, account number, provider, monthly cost, and any changes you make. This information can help the estate remain organized and simplify future decisions.
Quick Reference
- Do not assume every utility should be disconnected.
- Keep essential services active when they protect the property.
- Review optional subscriptions for potential savings.
- Consider seasonal weather before changing utility service.
- Maintain a list of utility providers and account information.
Helpful tip
Before making significant changes to utility service, consider speaking with your insurance carrier. Some policies have expectations regarding occupied or vacant homes that could affect coverage.
Continue Your Journey
Need personal guidance?
Every estate is different. If your question involves legal advice, you should speak with a qualified New Jersey estate attorney. If you are dealing with an estate property or want to talk through next steps, Dennis can help.