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I am confused. When you say you want two POA’s does that mean one document naming a POA for you, and a named POA for your husband on the same document? Or one document naming two attorneys in fact just for yourself?

You and your husband need to speak to a lawyer

Why do you want two? One is not an alternate to the other in case of illness or incapacitation?

1) your family needs to start probate ASAP 2) you understand how that homeowners insurance wouldn’t be inforce because of your mothers death? Confirm with the company, and if the house is in fact not covered, the administrator should get the house insured ASAP.