Does ARAG cover the entire probate process?

No. It typically provides up to 9 hours of paid-in-full coverage for estate administration when you are the insured Personal Representative. Additional hours may be available at a reduced rate.

Can ARAG help with Summary Administration or small estates?

Yes. Its benefits can often be applied to Summary Administration and Disposition Without Administration, helping reduce legal costs for smaller estates under Florida Statute Chapter 735.

How do I know if my plan covers probate?

Log into ARAGlegal.com or call 800-247-4184 with your member ID. We can also verify eligibility when you book a free discovery call with us.

Can ARAG be used for trust administration instead of probate?

Yes. Many plans cover or offer reduced rates for revocable living trust administration, which often helps avoid probate entirely. These arrangements are governed by Florida’s estate planning and trust laws under Florida Statutes Chapters 732 through 736.

Will using ARAG affect my relationship with the attorney?

No. We work seamlessly with ARAG as your network attorney and handle all coordination so you can focus on the estate.

Is there a deadline to use ARAG benefits for probate?

It is best to contact ARAG and a network attorney as early as possible after the passing to maximize your available coverage.

ARAG Legal Insurance Coverage for Florida Probate

Reviewed by: Carina de la Torre, Esq.

We Understand the Added Financial Stress of Probate

Losing a loved one is already overwhelming. When you are named Personal Representative (the official term for an executor), are a surviving spouse, or when you are helping settle an estate—including guiding beneficiaries through their rights and inheritance process—the last thing you want is the added burden of high legal fees on top of court filings, appraisals, creditor notices, and tight deadlines.

If you have ARAG legal insurance (often available as an employee benefit), you may qualify for significant coverage that can reduce or eliminate your out-of-pocket attorney costs for many probate-related tasks.

At Tower Law Group, we proudly serve as a network attorney for members across Orlando, Oviedo, and the 67 counties statewide. We know how to maximize your benefits as your network attorney while guiding you through the probate process, which is governed by Florida probate rules and court procedures.

ARAG network attorney reviewing probate documents with a client, discussing estate administration and legal coverage options in a Florida probate case

COVERAGE NOTICE: Coverage is subject to your specific legal insurance plan, eligibility requirements, and policy limitations. ARAG determines covered services and benefit hours. Tower Law Group does not guarantee coverage or approval of benefits.

If you have ARAG legal insurance, you may already have coverage for probate services.

Schedule a free discovery call with our team to learn how to use your benefits and reduce out-of-pocket costs.

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How ARAG Typically Helps with Florida Probate

Many plans offer paid-in-full coverage through network attorneys for key estate matters. A network attorney can help you apply these benefits to your specific probate matter under Florida law. Benefits that directly apply to probate include:

Estate Administration & Estate Closing (under Formal Administration): Up to 9 hours of paid-in-full legal services, including tasks required under Fla. Stat. Chapter 733 when you, as the insured, have been named Personal Representative. This can assist with:

Preparing and filing the probate petition
Inventorying and appraising estate assets
Notifying heirs and creditors
Paying valid debts and taxes
Final distribution of assets

Personal Representative Appointment: Paid-in-full assistance if you need to seek court appointment as the estate's representative.

Protection of Inheritance Rights: Limited hours to help assert or defend your right to inherit from an estate.

Document Review: Low-cost review of wills, trusts, or powers of attorney where you are named as an agent or representative.

Many plans also offer reduced-fee services (typically 25% off the attorney’s normal hourly rate) for additional hours or more complex matters.

IMPORTANT NOTE: ARAG supports the living insured (you) in your role as Personal Representative or family member. Coverage is subject to your specific plan, limitations, exclusions, and regulations. The examples above reflect typical plan structures and are not a guarantee of coverage for all members. Always verify your exact benefits directly with them.

Probate can be financially overwhelming, but your plan may help.

Schedule a free discovery call with us to explore your options and protect your rights.

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How ARAG Supports Avoiding or Simplifying Probate in Florida

It can also help with proactive estate planning to reduce or even avoid probate entirely — saving your family significant time, money, and stress.

Through your legal insurance plan, you can often access paid-in-full or significantly reduced-fee services for the preparation or review of key estate planning documents, including:

Last wills and testaments
Durable powers of attorney
Living wills (advance directives)
Revocable living trusts

Network attorneys can guide you on properly funding your revocable living trust so that assets pass directly to beneficiaries without court involvement.

The state offers several powerful, state-specific tools that can help families avoid or simplify the probate process under Fla. Statutes Chapters 732–736:

Properly funded revocable living trusts — One of the most comprehensive ways to keep assets out of probate while maintaining full control during your lifetime.

Beneficiary designations (POD/TOD) on bank accounts, investment accounts, and retirement plans — allowing assets to transfer directly to named beneficiaries.

Joint ownership with right of survivorship — for certain assets (used carefully to avoid unintended risks).

Lady Bird Deeds (Enhanced Life Estate Deeds) — A popular state tool specifically designed for homestead and other real estate. This deed lets you retain full ownership and control of your home during your lifetime (including the right to sell, mortgage, or revoke it), while automatically transferring the property to your chosen beneficiaries upon your death — without going through probate. It also helps preserve valuable homestead protections and tax benefits.

These strategies can help many families qualify for Summary Administration (a simplified, faster probate process) or even Disposition Without Administration for smaller estates.

NOTE: As of July 1, 2026, the threshold for Summary Administration has increased to $150,000 for non-exempt probate assets (or when the decedent has been deceased for more than two years).

ARAG also provides general resources and attorney guidance on streamlining probate for small estates, helping you determine the most efficient path for your situation.

Understanding the Value of Your Coverage

Compare how probate costs and processes differ with ARAG legal insurance versus paying out of pocket.

Infographic comparing Florida probate with and without ARAG legal insurance, showing covered attorney fees, Personal Representative assistance, and reduced estate planning costs versus full out-of-pocket legal fees

Navigating the probate system without legal insurance can be a costly and stressful experience. To help you visualize the difference your membership makes, we have prepared the following comparison. This guide highlights how your benefits directly impact attorney fees, administrative support, and your overall peace of mind during the estate settlement process. Working with a network attorney can significantly reduce out-of-pocket probate costs compared to private-pay representation.

Wondering how much you could save with ARAG compared to paying out of pocket for probate?

Schedule a confidential, no-obligation, free discovery call to get a clear breakdown of costs and process differences so you can make an informed decision.

Book A Free Discovery Call

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Frequently Asked Questions (FAQs)

Ready to Maximize Your Probate Benefits?

Don’t navigate the complexities of probate alone. Let Carina de la Torre and the Tower Law Group team handle the legal heavy lifting while you focus on your family.

As ARAG Network Attorneys, we offer:

Direct Billing to ARAG – As your network attorney, we handle the paperwork so you don't have to.

Maximized Coverage – We ensure you get the full 9 hours of paid-in-full support you're entitled to.

Expert Florida Guidance – 20+ years of experience in Oviedo, Orlando, and statewide.

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Why Choose Tower Law Group with Your Coverage?

We are experienced probate network attorneys who understand how to efficiently apply ARAG benefits while ensuring full compliance with Fla. Statutes Chapters §733, §735, and §736. Our goal is to minimize your stress and costs so you can focus on what matters most.

Trusted ARAG Network Attorneys

Led by Carina de la Torre, our firm is guided by a highly experienced probate network attorney with over 20 years of experience. She has helped families, heirs, and Personal Representatives navigate the complexities of estate administration across the state. Our team specializes in formal administration, summary (small estate) administration, and simplified probate processes. We serve clients throughout Orlando, Oviedo, and surrounding communities across all 67 counties.

Our attorneys work closely with Personal Representatives to streamline probate filings, ensure compliance with statutes, and reduce the time and cost of administering estates — while leveraging ARAG coverage when available to help minimize out-of-pocket expenses.