Endorsements

Assisted living care coverage wording and examples

Assisted living care coverage can extend specified personal property, living expense or liability protection to an eligible relative in care. These endorsements can provide property, additional living expense or liability coverage for a relative in an assisted living facility.

Coverage classification

Form type
Endorsements
Product lines
HomeownersRenters

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Assisted living care coverage forms compared by Intent, Coverage context, Notable terms
FormIntentCoverage contextNotable terms

Encompass Insurance Company

Assisted Living Care Coverage Endorsement - Renter

P13081 Ed. 10012024

Renters

Adds coverage for a person listed in the declarations who meets the relationship and residency conditions.Addresses qualifying personal property and additional living expenses in a named licensed facility.Special limits apply to specified items; additional living expenses are limited to $500 per month.

Federal Insurance Company

Assisted Living Care Coverage Update

Q0803000 5/17/12

Homeowners

Adds contents and additional living expense coverage for a relative-in-care, with personal liability if shown in the coverage summary.Addresses property usually kept at the facility and expenses when the unit is uninhabitable or operations are suspended.The contents payment has a $500 deductible; the form specifies separate forced evacuation and extra living expense terms.

Notable clauses

“a regular resident in the assisted living care facility listed on the Policy Declarations”

Encompass Insurance Company · Assisted Living Care Coverage Endorsement - Renter · P13081 Ed. 10012024

Eligible person. The person must also meet the listed relationship and household conditions.

“if Personal Liability Coverage is shown in your Coverage Summary, personal liability coverage for a relative-in-care”

Federal Insurance Company · Assisted Living Care Coverage Update · Q0803000 5/17/12

Personal liability. The form makes this liability coverage conditional on the coverage summary.

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