Nursing Home & Assisted Living Coverage for Seniors
Home Insurance Add-On
- Liability and personal property protection for your loved one in an assisted living facility
- Coverage limits for personal property are customizable and range from $6,000 - $15,000 with a $500 deductible
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What is nursing home and assisted living coverage?
Nursing home and assisted living coverage is an optional add-on to your homeowners policy. This coverage protects your loved one’s belongings up to your coverage limits if they move into an assisted living facility or nursing home.
What does nursing home and assisted living insurance cover?
Nursing Home and Assisted Living Coverage Examples
Add nursing home and assisted living facility personal property coverage to help cover your family member. Here are some examples of how this coverage can be helpful.
Did you know?
According to the Kaiser Family Foundation (KFF), there were 15,291 nursing homes in 2021.*
Frequently Asked Questions
Natural Disaster Coverage
We've got your loved one's belongings protected in case of unexpected events & natural disasters. They're covered up to your coverage limits from events like:
- Fires
- Hail
- Lightning
- Wildfires
- Windstorms
- Weight of ice and snow
Theft
While visiting your grandfather in his nursing home, he tells you someone has stolen his favorite pocket watch. While you can trust a nursing home to care for your loved one, theft among residents can happen. We can help them cover their personal property with this added coverage. We'll also extend coverage up to the policy limits you’ve selected. For certain valuable items you can select additional coverage to itemize specific items that need a greater value & broader level of protection.
Accidental Property Damage
Your grandmother knocks over and breaks an heirloom vase while visiting a friend's room. We'll help cover your loved one if they’ve accidentally damaged someone's property. The policy limit will determine the amount of coverage they have and applies once the policy deductible has been paid.
Accidental Injuries
Your great-aunt left her cane in the doorway and another resident trips over it, injuring his knee. The Nursing and Assisted Living optional coverage helps provide some liability coverage for accidental injuries to others. Your loved one can have some peace of mind knowing that they have less to worry about when it comes to claims, lawsuits or liability claims from others.
Other Named Perils
Having enough coverage for your personal possessions is essential in case something goes wrong. Your policy provides this information. It is important to speak to your insurance agent to understand your coverage and limits. If necessary, more coverage can always be added.
Fire
A fire at your grandfather's facility damages his dresser, clothes and other personal valuables. This policy covers the cost of replacing personal property up to its limits, but not more than the policy's total combined limits. Coverage limits, for example, are available from $6,000 - $15,000 and have a $500 deductible.
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The information on this webpage represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
*Total Number of Certified Nursing Facilities, https://www.kff.org/other/state-indicator/number-of-nursing-facilities/?currentTimeframe=1&selectedRows=%7B%22wrapups%22:%7B%22united-states%22:%7B%7D%7D%7D&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D, (last visited May 10, 2023), [https://perma.cc/7A44-6ADK]
*Total Number of Certified Nursing Facilities, https://www.kff.org/other/state-indicator/number-of-nursing-facilities/?currentTimeframe=1&selectedRows=%7B%22wrapups%22:%7B%22united-states%22:%7B%7D%7D%7D&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D, (last visited May 10, 2023), [https://perma.cc/7A44-6ADK]