Most home owners insure their property against fire,flood or other disasters feeling secure that whatever the calamity their home will be saved. Unfortunately no insurance is taken out against State acquisition. This often happens when the sole owner of a property has to be taken into care and cannot afford the fees to meet the care costs. If the property becomes empty it will be assessed under the ‘Means Test’ rules and be sold to pay for the care. Latest evidence indicates that over 70000 properties were sold in one year in this manner. You can insure against this in either one of two ways. A Lifetime Property Protection Trust can protect the whole value and allow it to be passed to your nearest and dearest. A Property Protection Trust Will ensures that at least one half of the value of the property will be secured for future generations.