Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
That is correct, if there is nothing in her estate, no property, minimal bank accounts/investments, personal items, then the estate is insolvent and cannot pay the bills and you as heir
/executor would not be personally liable for any of those debts.
Insurance policies, if they actually named a beneficiary would not be part of the estate. If they did not name a beneficiary they would be part of the estate, but the first bills paid are funeral and burial expenses, which would include the headstone, so you would make those payments first and if nothing is left and the hospital, doctors, nursing home are seeking money you can inform them the estate is bankrupt and there is nothing to pursue and if they sue the estate you can simply not answer (if they name you personally, not just as executor, then you have to answer by filing a motion to dismiss you personally as you are not personally liable for those debts).
Please do not forget to leave positive feedback by clicking on the 5 stars at the top of your page , as the experts are not employees of the site and get no credit for spending time with customers unless they leave positive feedback. Thank you.