What is the first thing I should do to Protect our Probate Real Estate?

The most valuable asset in the estate is the real estate.  What happens to an Insurance Policy when a property is unoccupied?

Does the average home-owner policy cover a property that is unoccupied?  What is typically the amount of time that passes before the policy coverage becomes ineffective due to non-occupancy?  What is the Policy you can put in place to protect unoccupied property?  Once your policy is in place, can the Personal Representative cancel the previous policy?  Are unoccupied policies more expensive?

These questions are so important that it's actually #4 in your Duties and Liabilities as a Personal Representative.