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Discussing the Home Insurance Liability for a Nursing ProfessionalEveryone who owns their own house needs homeowners insurance. This insurance not only protects the physical structure of the building, but it provides coverage in case of damage or theft of property inside the home. Homeowners insurance can also provide liability in case of the injury of or damage to the property of other people on or near your property. The personal liability section of homeowners insurance pays for medical bills of people injured on your property. It can also cover such occurrences as damage to their car by limbs falling off of trees that you own. Homeowners insurance can also cover credit card fraud and identity theft, depending on your policy. This insurance is very important to protect your investment in your home. It's necessary to make sure that you have your policy with a solidly backed insurer that will work with you in cases of damage or theft. If you may need to have a nursing professional care for you in the home, there could be effects on your homeowners policy and home insurance liability. This is because having a person who is not normally a member of the family have free access in and out of the structure can make insurance companies nervous. They worry about the risk you incur by bringing an unknown person into the home on a regular basis. This can affect the rates and terms of many of the above types of homeowners coverage. A stranger with access to your home has the ability to damage or steal belongings and personal information. There is also an increased danger of liability claims when someone who is not a resident of the home has free access to the building. Your nursing professional could be injured in your home, and then the insurance company would have to provide monetary compensation for loss of work time and medical bills. To avoid difficulties and unexpected rate increases in your homeowners
policy, you should make sure that you check with your insurance
agent before contracting with any kind of nursing professional.
Your insurance agent should know that you intend to have home care
and what kind of care will be required. They should also know how
much access the care provider will have to your home, whether anyone
else will be home at the time, and when the nursing professional
will have access. This will help them determine if the rates on
your homeowners policy need to be adjusted. Be sure to have all
the information correct before you have a caretaker begin entering
you home, in case it could unexpectedly affect your homeowners
insurance policy. Home care by a nursing professional may be necessary,
but your insurer should be aware of all new risks that you could
incur. This makes it possible for you to have the right coverage
and be insured if something should happen. Insurance is there to
protect you, so it's important to be sure that it does its job.
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