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Insurance for Host Homes

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At Homewood Insurance, we provide tailored liability coverage for host homes and residential care providers. These programs face unique risks due to the combination of residential living and caregiving responsibilities. This page is designed to give you a clear understanding of:

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The fastest way to find the most suitable insurance coverage for host homes is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with different carriers to ensure you have the most suitable insurance coverage at the best price.

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Host Homes Liability Insurance can include:

  • General liability for guest injury or property damage on the premises.
  • Professional liability for negligent supervision, abuse allegations, or medication errors.
  • Coverage for providers serving youth, adults with disabilities, or transitional placements.
  • Applies to overnight care, respite services, and behavioral support.
  • Protection for incidents such as falls, elopement, or resident-on-resident harm.
  • Standard limits up to $1M per occurrence / $3M aggregate; tail/prior acts available
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Insurance for Host Homes can include:

Malpractice or liability insurance can provide essential protection against these risks:

  1. Professional Liability (Malpractice)

    1. Claims for negligent supervision, resident injury, or abuse allegations
    2. Protection for medication errors, failure to document, or improper behavioral response
    3. Covers host parents and staff in respite care, transitional housing, or assisted living programs
    4. Extends to youth in foster placements, adults with developmental or psychiatric needs
    5. Optional coverage for court-appointed care and multi-resident operations

  2. General Liability

    1. Third-party bodily injury (e.g., slips, falls, visitor accidents)
    2. Property damage to state representatives, vendors, or third parties
    3. Premises liability: pets, pools, structural hazards, unsafe household conditions
    4. Flexibility across state-funded, nonprofit, or transitional foster program classifications
    5. Limits up to $1M/$3M, with higher available for larger operations

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Cost of Coverage:

Premiums for Host Homes are influenced by number of residents, staffing levels, claims history, and state regulations. Carriers also assess home safety, licensing compliance, and resident profiles.

Professional Liability (PL / Malpractice) – Estimated Ranges

  • Small homes (1–2 residents, host parent only): PL coverage usually starts around $1,500–$3,000 annually for the entire home, including the host caregiver.
  • Homes with multiple residents & additional staff: Premiums increase to $3,000–$7,500 annually, depending on the number of employees and residents.
  • Larger host home programs / agencies: If operating multiple homes or employing multiple staff, PL premiums can reach $10,000–$15,000+ annually, scaled by resident acuity and staff count.

Bottom line: Most host homes bundle staff PL into the home’s liability policy rather than purchasing separate coverage for each caregiver. Standalone PL is typically used only for licensed professionals who moonlight across multiple care settings.

General Liability (GL) – Typical Ranges:

  • Small host homes (1–2 residents): $2,000–$4,000 annually
  • Mid-sized homes (3–5 residents): $4,000–$7,500 annually
  • Larger/multi-resident programs: $8,000–$15,000+ annually

Premiums rise when higher-risk activities are present (e.g., transportation, residents with severe behavioral challenges, or 24-hour supervision).

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Higher-Risk Activities and Insurance Impact

Some activities may lead to coverage denial (e.g., caring for violent residents, using restraints, operating without licensing). Others are insurable but trigger premium increases of 20–50% depending on carrier appetite and controls in place.

Procedure/Activity Risk Factors Impact on Premiums
Medication administration or behavioral support Errors in dosing, failure to document, or improper crisis response Premiums rise; carriers may require proof of training to mitigate
Transportation of residents Accidents involving unsafe vehicles or untrained drivers Adds auto liability exposure; rates increase if not covered separately
Hosting multiple or
non-ambulatory residents		 Increased falls, elopements, resident conflicts; limited by some carriers Premiums scale upward with resident count and acuity
Overnight / 24-hour supervision Greater exposure to falls, emergencies, and night-time incidents Considered higher risk; premiums reflect continuous supervision
Handling personal/
medical data		 Privacy violations or data breaches Cyber liability add-ons increase costs; surcharges for weak controls
Premises hazards Pools, pets, or structural issues increase GL claims Carriers inspect homes; unaddressed hazards significantly raise rates
High turnover or
inadequate staffing		 Supervision gaps and higher error frequency Premiums escalate; accreditation and training help reduce costs

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Types of Insurance that Host Homes need

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.
 
 
sexual-molestation

Sexual Abuse and Molestation Insurance

Provides coverage for your host home against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the social services industry.
 
 
Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect host homes and their employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Why Work With Homewood

We help host homes and providers:

  • Match with carriers that accept their resident profiles and care model
  • Review policies and procedures to strengthen underwriting submissions
  • Negotiate limits, tail/prior acts, and endorsements at competitive rates

Call 947-274-3093 or
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Ralph Schiller

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Host Homes at the best price. You can call him or fill out the form and he will get your message directly.