Long term care (LTC) is for individuals age 65 and above. Someone with LTC can leverage nursing home care, home-health care, and personal or adult daycare. LTC id flexible compare to other public assistance programs. This type of insurance is generally very expensive and differ by region.
Home Insurance is a necessity. It protects you against damage. Mortgage company across US requires you to have insurance coverage for the full value of your property; they will not finance your loan without a proof of home insurance. Generally, all home insurances can be customized, but all of them have some standard facilities such as,
Liability Coverage
Additional Living Expenses
Depreciation
Umbrella Policy
Homeowner Coverage
Replacement cost
Compensation to your interior and exterior of the house
