Just saw where you said there was a trailer involved, that is another whole ball of wax depending on whose name it was titled in. If it is in your mother's name even though your sister lived with her, you will need to see an attorney as that trailer will be part of her estate and most likely will have to go thru probate depending on it's value. If it is titled in both their names it will depend on how it is titled, "with right of survivorship" or however as those things at tricky. You can't just transfer the title on it, there are rules and regulations in most states. Consult an attorney at least to get some questions answered. He may be able to file a small estate affidavit and can advise you on the bills as a result of the trailer. Too many "ifs ands and buts" to give general information on a board like this. Life insurance is one thing but the rest is another whole ball of wax.