Even in a protected environment loved ones need more protection.
More people than ever are residing in assisted living facilities or nursing homes. This trend is only expected to increase as the Baby Boomers retire and look toward alternative living arrangements. Changes in lifestyle often require changes in insurance coverages. Assisted living residences are generally secure,but many individuals do have access to private living areas within them and this increases the risk of theft to personal belongings. Adding assisted living care coverage ensures we will help, if the resident is displaced due to weather, fire, or other circumstances that render their facility unlivable.
Choosing the right living arrangements for an elderly parent or child who needs special care can be difficult and costly.
The last thing you need to worry about is being faced with unforeseen expenses such as those associated with stolen or broken personal property, or injury. Would you be prepared to absorb the additional financial burden?
Let us help. When you add the protection of The Hanover assisted living care coverage endorsement you automatically have the peace of mind that comes with knowing your loved ones now enjoy the same type of insurance benefits that covered them at home.
Professional assistance gives you peace of mind
Your Hanover homeowners policy can be enhanced to include Assisted Living Care coverage. Ensuring your homeowners policy provides for family members outside your home through:
• Personal property coverage
• Additional living expenses
• Personal liability coverage
Personal property coverage*
Includes special sublimits tailored to the needs of many in assisted living facilities or nursing homes; helping to replace the small (and not so small) personal items that may become stolen or damaged.
- Hearing aids
- Eye glasses
- False teeth/dentures
- Contact lenses
- Medi-alert devices
- Walking aids and devices (walkers or canes)
Additional living expenses
The assisted living care coverage endorsement provides reimbursement for additional living expenses up to $500 per month/$6,000 maximum if your loved one is temporarily displaced.
Personal liability coverage*
For unforeseen injury to others, the assisted living care coverage endorsement provides liability coverage for injury to residents and visitors, with a choice of limits up to $100,000 or $300,000 per occurrence.
Additional coverage considerations
The Hanover offers many special coverages to meet your own individual needs and lifestyle. Collect antique silverware, jewelry, or coins? Want the extra protection an Umbrella policy provides? Looking for protection against home equipment breakdown? If so, your agent can help you customize your coverage by determining what endorsements are right for your unique needs.
* Subject to certain per item limits and excludes bodily injury to the employees of the facility. Policy deductible applies.
Ask your local Hanover agent for more details and a listing of agents in your area.
112-2792 (1/13) LC 09-153