Whether you or a loved one need to purchase specialized insurance to cover personal property and contents while living in a nursing home.
Check to see if the parents’ home insurance will cover their parents’ belongings while they are in the nursing home.
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Some insurance agency will consider the youngsters dependable after a parent enters the nursing home.
Frequently, there is inclusion for “guardians in a nursing home” in the strategy phrasing of relative’s home protection.
If the policy does not cover enough, the children may be able to negotiate better rates by asking if an endorsement for the parent’s belongings in the nursing home can be added.
Additionally inquire about liability coverage, as this is probably a separate option.
It is important to talk to an insurance broker or agent about your home insurance policy’s options, included coverages, and conditions because looking at the policy’s declaration page typically does not include these details.
It’s worth calling for the information, which varies between insurance companies.
