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Does home insurance cover nursing homes?
We’re moving my mom into a nursing home next month. She has a home insurance policy, but will she need additional coverage? Does home insurance cover nursing homes?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Moving a loved one into a nursing home can be a complicated process. Thankfully, insurance for living in a nursing home is fairly easy. Home insurance won’t cover a nursing home, but you can purchase content and liability coverage, similar to a
renters insurance
policy. With content and liability coverage, your mom would have her personal property in the nursing home protected from
covered perils
, while the liability coverage would cover any damages or injuries she’s liable for. Most insurers offer this coverage, so you’ll want to check with your mom’s current home insurance company. She may get a better rate for coverage since she’s already a customer.
Apart from checking with her current home insurance company, shop around with different insurers to ensure you’re getting the best rate.
If you’d rather leave the hard work of gathering quotes to someone else, use
Jerry
. The Jerry app can collect quotes from top insurance companies, like Berkshire, State Auto, Safeco, and Travelers, in seconds! They even help cancel your old policy once you’ve made your pick.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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