May is Older Americans Month, a time to celebrate the wisdom and resilience of our senior community. At ABQ Insurance, we’re proud to support independence and security for those choosing to age in place—a growing movement that emphasizes living safely and comfortably at home for as long as possible.
If you or a loved one is planning to remain in your home long-term, your insurance coverage should evolve to match that lifestyle. Let’s take a look at some key homeowners insurance considerations for aging in place and how to make sure your home is both safe and properly protected.
Supporting Independence with the Right Insurance
Aging in place often means adjusting your home to support your needs better. It also means checking that your insurance provides coverage that reflects these adjustments. Here’s what to look for:
- Personal Liability Coverage: If you have visitors, caregivers, or guests in and out of your home, liability protection is essential. It covers injuries that may happen on your property, helping to protect your savings and give you peace of mind.
- Medical Equipment and Home Modifications: Devices like wheelchairs, walkers, oxygen tanks, or stairlifts should be covered under your personal property. Check your policy to confirm that these valuable items are protected from theft or damage.
- Safety Modifications Can Help Lower Risk: Home features like grab bars, handrails, stair-free entryways, motion-sensor lighting, and walk-in showers reduce accident risks—and may help prevent future claims. Some insurers recognize this with lower premiums.
- In-Home Services & Support: If you’re using home care services, make sure your policy reflects the increased activity in your home. While insurance typically won’t cover the services themselves, it can offer liability protection if someone is injured while helping you.
Spring Is the Perfect Time for a Policy Check-Up
Aging in place is a personal decision, and your insurance should support that choice, not complicate it. If your home has changed or your lifestyle has evolved, it’s a good time to review your coverage. At ABQ Insurance, we make it easy to update your policy so it matches your current needs.
We believe that staying in the home you love should come with confidence and security. That’s why our team is committed to helping you find the right homeowners insurance quote Albuquerque NM families can count on.
Final Thoughts
Aging in place isn’t just a trend—it’s a reflection of how deeply we value independence, dignity, and community. During Older Americans Month, let’s take the opportunity to celebrate that by making sure our homes—and our insurance—are built to support it.
Need help to review your coverage or making your home safer? Contact ABQ Insurance today at 505-217-2100 for expert guidance and personalized support.
