If the will states the person occupying the home is responsible for insurance is probate necessary?

I was given lifetime use of my fiancé’s home after he passed if I choose to leave the proceeds will be split between me and his 2 daughters. The will states I am responsible for homeowners insurance on the home. His daughter is adamant that this needs to go through probate court or it would be insurance fraud. She says 2 lawyers told her that. I feel the will is very specific I’m responsible and probate is not necessary for this specifically. Who is correct