Insurance In Retirement Homes

Summary

In Ontario, long-term care homes are generally responsible for incidents like falls under the Long-Term Care Homes Act, 2007. Personal belongings such as a TV and clothes are typically not covered by the facilitys insurance. Given a $1000 deductible, it may not be cost-effective to get personal property insurance if the value of your belongings is also $1000. Liability for falls usually rests with the facility, not the resident. Always consult with an insurance advisor or legal professional for personalized advice.

Full Conversation

I live in a long term care place (retirement hom) i was wondering do i need home insureance in case someone falls in my place.
Hello ****, the need for insurance can depend on the terms of your agreement with the retirement home. However, often, the facility's insurance should cover incidents within its premises. Could you let me know your location so I can provide more specific information?
London ontario i live i long term care.they clean the room
Hello ****, in Ontario, long-term care homes are typically responsible for incidents like falls under the Long-Term Care Homes Act, *. However, it's advisable to check your agreement with the home for any specific provisions.
The home never told me about insurance. I only have a tv and clothes in my room.
Hello ****, in Ontario, your personal belongings like TV and clothes are typically not covered by the long-term care home. It's advisable to consider personal property insurance for these items. Please consult with an insurance advisor for more detailed information.
I only have $* worth of stuff but the insurence is a $* deductable
Hello ****, in your case, it might not be cost-effective to get personal property insurance given your deductible is equal to the value of your belongings. It's advisable to weigh the cost and benefits before making a decision.
If someone falls can they come after me.
Hello ****, in Ontario, it's generally the responsibility of the long-term care facility to ensure safety under the Long-Term Care Homes Act, *. If an accident like a fall occurs, the facility, not the resident, is typically liable.
Thank you for your time.
You're welcome, ****! If you have any more questions in the future, don't hesitate to reach out. Remember, it's always good to consult a legal professional for personalized advice. Stay safe!