What Is Homestead Property Protection?


There are many different ways to protect yourself from the loss of your home. One of them is homestead property protection, which protects you from being forced to sell your home by creditors.


  • Homestead property protection laws are federal and state laws that help protect you from being forced to sell your house or helps provide a widow, male or female, with a home after the death of their spouse.


  • Homestead property protection is not homesteading. Homesteading was a federal government program that gave government lands to poor people. This took place from 1862 to 1986. It also isn't home insurance, which you must buy from a private company.

Automatic Protection

  • Anyone who owns a home already has an automatic homestead. No paperwork has to be filled out for an automatic homestead. You lose your automatic homestead when you sell your house. The protection an automatic homestead offers varies from state to state; differing state laws can affect its value.

Declared Protection

  • A declared homestead is a legal form that helps protect your homestead for six months after you sell your property. This can guarantee the safety of your homestead while you search for a new home. It can also help protect your homestead from large cash settlements you owe due to lawsuits.


  • Filing for a declared homestead is simple. Go to an office supply store like Office Max and purchase a declared homestead form. Fill it out and turn it into to your local government. They will process the paperwork, and your homestead will be safe for six months.

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