Properly Protected “Subject to” deal

[Dave Barker]

Hello, I’m an investor from Wisconsin. I purchased a home via “Subject to”, I’m listed as additionally loss payee insured on sellers policy & of coarse I own the Deed. The mortgage is still in sellers name until some time in the future. 1)How do I or how am I properly protected if my Seller dies? I’d rather not have to fight with Probate, family members and or any other unforeseen issues? 2) is there a better way to insure myself, rather then be listed as additional loss payee? I appreciate your time & thoughts.:)