Homestead Protections in Texas Probate: What Heirs Need to Know

Texas law offers strong protections for homestead property, especially during the probate process. Understanding these protections can make a significant difference in preserving the family home after a loved one passes away for surviving spouses, minor children, and other heirs. Let our probate attorney explain what qualifies as a homestead in Texas, how the law shields it from creditors, and what rights heirs have when navigating probate.

What Qualifies as a Homestead in Texas?

In Texas, the homestead is your primary residence where you live. The law protects this home from most creditors. For urban properties, the homestead can cover up to 10 acres. For rural properties, a family can claim up to 200 acres, while a single person can claim up to 100 acres. You can keep homestead protections even if the property has a mortgage or multiple owners. The key factors to secure homestead rights during probate are your actual use and occupancy of the property.

Homestead Protections in the Probate Process

Texas law offers powerful protections for homestead property during the probate process. One of the most significant benefits is that the homestead is generally exempt from most creditor claims. This means that unsecured creditors like credit card companies, medical providers, or personal loan holders cannot force the sale of the property to satisfy debts. However, there are exceptions. Mortgages tied to the property, unpaid property taxes, and home improvement liens can still be enforced. To ensure these protections apply, the homestead must be properly identified in probate proceedings.

These laws are designed to protect surviving spouses and children from losing their homes due to the deceased’s debts, making the homestead a cornerstone of stability for families navigating the probate process after losing a loved one.

Rights of Surviving Spouses and Minor Children

Surviving spouses and minor children enjoy homestead rights in the Lone Star State. Even if the deceased left a will that distributes the property to someone else, the surviving spouse has a right to occupy the homestead for the rest of their life. Minor children also have the right to continue living in the home until they reach adulthood.

These rights are independent of ownership. In other words, a surviving spouse may not own the property outright but can still live there without interference from heirs or creditors (except for limited claims like a mortgage or taxes). These protections ensure that a grieving family is not displaced from their home and can provide critical housing stability during a difficult time.

Let the Team at J. Nichols Law, PLLC, Answer Your Probate Questions

If you have questions about homestead protections in Texas probate proceedings, now is the right time to ask. The team at J. Nichols Law can review your circumstances and answer any questions you might have. Reach out today to learn more.