Multigenerational Housing Brings Challenges - Keating Agency Insurance
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MultigenerationalMultigenerational homes and living situations are becoming more common.

Grandparents move in with their adult children.  Similarly, adults with children of their own move back in with Mom and Dad.

Sometimes this is done because an aging parent needs some assistance, or a less expensive place to love.  Sometimes adult children have financial and caregiver needs.

Whatever your reasons for multiple generations living together, make certain you protect everyone under your roof.

Multigenerational Living Calls for the Right Homeowners Insurance

Many families these days are going from an empty nest to a full house.  Sometimes, the little bird never flew the coop in the first place.

Multigenerational living is actually more common in other countries.  You may even remember a mix of older and younger family members living together from your childhood.

Whatever the reason for your living situation, revising your Homeowners Insurance is one of the first steps you should take.

The National Association of Insurance Commissioners advises asking some questions.

  • How long do you expect this living situation to last?
  • Will anyone be paying rent?
  • Did your new housemates bring their belongings?
  • Will someone new drive your car?

MultigenerationalAnswering these questions helps you determine your coverage needs.  In addition to revising your Homeowners Insurance, you may need to adjust your Auto Insurance policy.

United Policyholders suggests checking your Personal Property coverage.  Family heirlooms may need special protection.  More household items call for an increased coverage limit.

Depending where you live, you may need flood insurance.  This provides coverage of your home and belongings if they are damaged during a flood.

Whatever the needs for your multigenerational household, the Keating Agency can help you find the right coverage at the right price.  We’ve been your local, independent insurance agency for more than 50 years.  Additionally, we have relationships with more than two dozen carriers.

Let us put our talents and experience to work for you. Give us a call.

Request a quote!