HOME HEALTH CARE INSURANCE

Home Health and Home Care agencies provide two main types of services that are custodial or supportive (unskilled) and skilled care. Supportive services, provided by non-medical home care agencies, offer assistance with personal care such as bathing, grooming, dressing, in addition to help with meal preparation, housekeeping, and shopping.

Assistance with self-administered medications, ambulation and exercises, and transportation to medical appointments is often requested. These custodial or supportive services can be arranged for any needed amount and frequency of time including up to twenty-four hours everyday or on a respite or temporary basis. Such services can help an aging person cope with their declining abilities, maintain their independence, and often avoid relocating.

In the most simplistic terms, homeowners insurance offers people financial protection against disasters that occur at their home. This includes the structure itself and the contents of the home that is covered under a particular policy. It may also cover injuries that people sustain while on the insured property, no matter how great or small.