When somebody moves permanently into a care home, families are often so focused on:

• care fees
• local authority assessments
• selling the property
• Power of Attorney
• and emotional decisions

that they forget about something very important:

Home insurance.

Many people are shocked to discover that ordinary home insurance policies may become invalid once a property is left empty for a period of time.

This can create serious financial risks at exactly the wrong moment.

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Why Standard Home Insurance May No Longer Apply

Most standard home insurance policies are designed for:

• occupied homes
• regularly lived-in properties
• homes that are checked daily

When a person moves permanently into residential care, the property may become:

“unoccupied” or “empty”

Many insurers place restrictions on empty properties after:

• 30 days
• 45 days
• or 60 days

depending on the policy.

If the insurer is not informed, there is a risk that claims could later be reduced or refused.

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Why Empty Properties Carry Greater Risk

Insurance companies view empty homes as higher risk because problems may go unnoticed for longer.

Examples include:

• burst pipes
• leaks
• electrical faults
• storm damage
• vandalism
• squatting
• theft
• arson

A small leak in an occupied home may be noticed immediately.

In an empty property, damage could continue for weeks before anybody realises.

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What Is Unoccupied Property Insurance?

Unoccupied property insurance is a specialist type of insurance designed for homes that are temporarily or permanently empty.

It may provide protection for:

• buildings
• contents
• fire
• flood
• escape of water
• storm damage
• vandalism
• public liability

However, policies and restrictions vary significantly.

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Important Conditions You May Need To Follow

Many unoccupied property policies include strict conditions.

Examples may include:

• regular property inspections
• heating left on at low levels during winter
• draining water systems
• locking doors and windows
• using approved locks
• maintaining the garden
• informing the insurer if the property is being sold or rented

Some insurers may require:

• weekly inspections
• fortnightly inspections
• written records of visits

Failing to follow conditions could affect claims.

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What Happens If Nobody Tells The Insurance Company?

This is where families can run into serious problems.

If the insurer is not informed that the homeowner has moved into care:

• the policy may become restricted
• cover may reduce automatically
• or claims may later be rejected

Families should therefore contact the insurer as soon as possible once it becomes clear the property may be empty for an extended period.

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What If The Property Will Eventually Be Sold?

This is extremely common.

Often:

• a person moves into residential care
• the family is unsure whether the move is permanent
• the house remains empty
• and eventually the property may need to be sold to help fund care costs

During this period, specialist insurance may still be needed.

Even if the property is empty only temporarily, families should still check policy conditions carefully.

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What About The 12-Week Property Disregard?

In England, local authorities often ignore the value of the main home for the first 12 weeks of permanent residential care.

This is known as:

the 12-week property disregard.

However, this rule relates to:

• care funding assessments

—not home insurance.

The property may still require specialist insurance even during this period.

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Deferred Payment Agreements And Empty Homes

Some families use a:

Deferred Payment Agreement

This allows the local authority to help pay care home fees while repayment is delayed until the property is sold later.

Even in these situations, maintaining proper insurance remains extremely important because:

• the property still belongs to the individual
• damage could affect its value
• and the council may expect the home to remain adequately protected

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Practical Tips For Families

1. Contact the insurer immediately

Never assume the existing policy still applies.

2. Check the “unoccupied” rules

Read the policy carefully.

3. Visit the property regularly

Keep records if possible.

4. Remove obvious signs the property is empty

Timers, lighting and maintained gardens may help.

5. Consider draining water systems in winter

Some insurers require this.

6. Seek advice if unsure

Insurance brokers specialising in unoccupied properties may help.

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Final Thoughts

When somebody moves into care, there are many emotional and financial pressures on families.

Home insurance can easily be overlooked.

However, leaving a property uninsured or underinsured could create serious financial consequences later.

If a home may be empty for more than a few weeks, families should:

• contact the insurer
• explain the situation fully
• and check whether specialist unoccupied property insurance is needed.

Taking action early may prevent major problems later.

One of the biggest decisions many older people and families face is whether to remain at home with care support or move into a residential care home.

There is no single right answer. What works perfectly for one person may not suit someone else at all. The decision often depends on health needs, family support, loneliness, mobility and personal preference.

Both home care and care homes have advantages and disadvantages, and it is important to look honestly at daily life, not just finances.

The Advantages of Staying at Home

For many people, remaining at home provides comfort, familiarity and independence.

Home is full of memories. People know where everything is, they recognise their surroundings and they often feel safer and calmer in their own environment.

One of the biggest advantages of home care is personal choice.

At home:

• You can wake up when you want
• Eat when you want
• Watch television at the volume you like
• Choose your own routine
• Decide who visits you
• Continue hobbies and interests

Meals are a very important part of life and something many people overlook when comparing care options.

In a care home, staff may be preparing meals for dozens of residents. It is simply not possible to make 80 or 90 completely different meals every day.

At home, you can usually choose exactly what you want to eat and when you want it. Some people enjoy a cooked breakfast at 11am, others prefer soup late at night. This flexibility can be very important.

Pets Can Make a Huge Difference

Many people do not want to leave behind beloved pets.

Cats and dogs often provide:

• Comfort
• Routine
• Companionship
• Emotional support

For some older people, a pet may be their closest companion, especially after bereavement or living alone for many years.

Remaining at home may allow people to continue living with pets they love.

Being Near Family and Familiar Surroundings

Living at home may also mean staying closer to:

• Neighbours
• Friends
• Family members
• Local shops
• Familiar routines

Even small things like sitting in a favourite chair or looking out at a familiar garden can provide reassurance and comfort.

But Living Alone Can Also Become Difficult

Although home care has many benefits, living alone can sometimes become isolating.

Loneliness is a serious issue for many older people and can affect:

• Mental health
• Confidence
• Appetite
• Sleep
• Physical health

Some people may gradually stop:

• Cooking proper meals
• Going out
• Socialising
• Looking after themselves properly

Family members are sometimes shocked to discover how isolated an elderly relative has become.

People can also spend long periods sitting alone worrying about:

• Falls
• Illness
• Money
• Medication
• Hospital appointments
• Daily tasks

As the saying goes:

“A problem shared is a problem solved.”

The Advantages of a Care Home

A good care home can provide:

• Companionship
• Social activities
• Regular meals
• 24-hour support
• Safety and reassurance

Many residents enjoy having other people around and no longer feel alone.

In a care home there may be:

• Activities
• Games
• Entertainment
• Group meals
• Shared lounges
• Friendships with other residents

Staff are also available throughout the day and night, which can reduce anxiety for both residents and families.

Many People Say: “I Wish I Had Moved Sooner”

From personal experience within the home care sector, many people who eventually move into residential care later say:

“I wish I had done it sooner.”

Often people worry greatly about moving into a care home, only to discover:

• they feel safer
• they eat better
• they make friends
• they sleep better
• they no longer feel alone

Some families also feel relief knowing support is available around the clock.

There Is No Perfect Solution

Home care and care homes both have strengths and weaknesses.

Home care may offer:

• Independence
• Familiar surroundings
• Personal choice
• Flexibility
• Pets and family nearby

Care homes may offer:

• Companionship
• Safety
• Regular meals
• 24-hour support
• Reduced loneliness

The best choice depends entirely on the individual person and their circumstances.

Don’t Leave It Too Late

One of the biggest mistakes families sometimes make is waiting too long before asking for help.

Whether choosing home care or a care home, support is there to improve quality of life and help people remain safe, comfortable and supported.

Care workers and care staff are there to help, not judge.

Asking for help is not a sign of failure. In many cases, getting support early can greatly improve both physical and mental wellbeing for older people and their families.

On this website we have a couple of calculators that may help in your decision making.

Cost of home care calculator

Minimum wage calculator

Read our complete Guide to Home Care and Funding in UK

As home care costs continue to rise, many families search online or through local adverts looking for cheaper alternatives. Unfortunately, this can sometimes expose vulnerable people to unsafe or unregulated care arrangements.

While there are many genuine and caring individuals working in the care sector, families should be extremely cautious when arranging personal care through unofficial carers, unregulated providers or so-called “introductory agencies”.

Choosing care based purely on low prices can sometimes create serious risks for elderly or vulnerable people.

Be Careful Of “Too Good To Be True” Prices

Some individuals advertise home care services privately through:

• Facebook groups
• Online forums
• Community noticeboards
• Local newspapers
• Newsagents’ windows
• Gumtree-style websites

The advert may appear friendly and reassuring, often offering care at rates significantly cheaper than regulated care companies.

While some individuals may genuinely wish to help, families should ask important questions before allowing someone into a vulnerable person’s home.

Are They Regulated By The CQC?

One of the most important questions is whether the provider is regulated by the Care Quality Commission (CQC).

Registered home care providers in England are normally inspected and monitored by the CQC. Regulated providers are expected to meet standards relating to:

• Safety
• Staffing
• Care quality
• Training
• Record keeping
• Safeguarding
• Complaints procedures
• Recruitment checks

Unregulated individuals offering personal care privately may fall outside these protections.

If something goes wrong, families may have very limited recourse.

Are They DBS Checked?

Many adverts use vague wording such as:

• “Vetted carers”
• “Approved carers”
• “Experienced carers”

Families should ask:

Vetted by who?

Approved by which organisation?

A proper DBS (Disclosure and Barring Service) check helps identify certain criminal history information relevant to working with vulnerable people.

Without proper recruitment procedures, families may have little reassurance about who is entering the home.

Are They Properly Insured?

Another major issue is insurance.

Regulated care companies usually carry insurance such as:

• Public liability insurance
• Employers’ liability insurance
• Professional indemnity insurance

But private individuals may not.

Families should consider:

• What happens if the carer injures the client?
• What if medication is administered incorrectly?
• What if property is damaged?
• What if there is an allegation of theft or abuse?

Without proper insurance or regulation, resolving disputes can become extremely difficult.

What Happens When The Carer Is Sick Or On Holiday?

This is often overlooked.

A single private carer may provide excellent support for months, but what happens if they:

• Become ill?
• Go on holiday?
• Stop answering calls?
• Leave suddenly?
• Have a family emergency?

Regulated care agencies normally provide replacement staff and ongoing cover. Families relying on one unofficial carer may suddenly find themselves without support at very short notice.

For vulnerable people needing assistance with medication, mobility or personal care, this can create serious safeguarding risks.

Be Careful Of “Introductory Agencies”

Another area families should understand carefully is the growing number of “introductory” or “matching” agencies.

These businesses often advertise heavily online and may appear to operate like normal care agencies. However, many do not actually employ the care workers.

Instead, they may simply introduce self-employed carers to clients.

This can create important legal and financial implications that families may not fully understand.

You May Become The Employer

In some arrangements, the client or family may effectively become responsible for employing the carer directly.

This may include responsibilities relating to:

• PAYE and tax
• National Insurance
• Holiday pay
• Pension contributions
• Employment law
• Sick pay
• Contracts
• Liability issues

Many families are completely unaware of these obligations.

If Something Goes Wrong, Who Is Responsible?

Some introductory agencies use marketing language that can sound reassuring while avoiding direct responsibility.

For example:

• “All carers are approved”
• “All carers are vetted”
• “We carefully select carers”

But families should ask:

• Who carried out the checks?
• What standards were used?
• Who supervises the carers?
• Who investigates complaints?
• Who is legally responsible if something goes wrong?

In many cases, the agency itself may not accept responsibility for the actions of the care worker.

The CQC May Not Regulate Introductory Agencies

This is another important point many people do not realise.

If a business only introduces carers rather than directly providing regulated personal care, the Care Quality Commission may not regulate that organisation in the same way as a traditional domiciliary care agency.

This means families may not benefit from the same oversight, inspections or accountability associated with fully regulated care providers.

Cheap Care Can Become Very Expensive

While regulated home care can sometimes appear more expensive initially, families should think carefully about:

• Safety
• Reliability
• Continuity of care
• Insurance protection
• Accountability
• Staff training
• Emergency cover
• Safeguarding procedures

Choosing care based purely on price can sometimes lead to serious problems later.

Questions Families Should Always Ask

Before arranging care, consider asking:

• Is the provider CQC registered?
• Are carers DBS checked?
• Is there insurance?
• Who provides cover during sickness?
• Who supervises carers?
• Is there a complaints process?
• Who is legally responsible if something goes wrong?
• Are staff employed directly or self-employed?
• Will I become an employer?

Final Thoughts

Most families simply want safe, reliable and compassionate care for their loved ones. While there are many good carers working privately, it is important to fully understand the risks of using unregulated providers or introductory agencies before making decisions.

Taking time to ask questions and understand exactly who is responsible for care can help families avoid serious financial, legal and safeguarding problems later.

If you are struggling to calculate the cost of home care the try our on line calculator

Also read our Guide to Home care and Funding UK

Choosing the right home care provider is an important decision. With many providers offering similar services, it can be difficult to know which one offers the best value and the right level of care.

This guide explains what to look for and how to compare providers effectively.

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1. Don’t Just Compare Hourly Rates

One of the most common mistakes is comparing providers based only on their hourly rate.

In reality, many care companies:

• Charge different rates depending on the time of day
• Increase prices for evening or weekend visits

This means a provider with a lower hourly rate may actually cost more overall.

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2. Ask for a Full Pricing Breakdown

Always ask providers for a clear breakdown of their pricing.

You should find out:

• Daytime rates
• Evening rates (if applicable)
• Weekend rates
• Minimum visit durations

Having this information makes it much easier to calculate the true weekly cost.

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3. Understand Visit Durations

Most home care providers offer visits in set time blocks, such as:

• 30 minutes
• 45 minutes
• 1 hour

It’s important to understand how these are priced.

For example:

• A 45-minute visit may not be priced proportionally
• Some providers may have minimum charges

Make sure the visit lengths match your actual needs.

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4. Look at the Full Care Schedule

Think about the number of visits required each day.

A typical schedule might include:

• Morning call
• Lunch call
• Tea call
• Bedtime call

However, needs can vary, and some individuals may require additional visits.

Comparing providers based on a realistic daily schedule will give you a much clearer picture of cost.

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5. Consider Quality of Care

Cost is important, but it should not be the only factor.

You should also consider:

• Care Quality Commission (CQC) ratings
• Staff training and experience
• Reliability and consistency of carers
• Reviews from other clients

A slightly higher cost may be justified by better quality care.

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6. Check for Hidden Costs

Some providers may include additional charges that are not immediately obvious.

These could include:

• Travel costs
• Bank holiday rates
• Cancellation fees

Always ask if there are any extra charges beyond standard visits.

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7. Compare Weekly Costs, Not Individual Visits

The best way to compare providers is to calculate the total weekly cost based on your care needs.

This takes into account:

• Number of visits
• Duration of each visit
• Time of day
• Weekend pricing

This approach gives you a much more accurate comparison.

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Use a Calculator to Make Comparisons Easier

To simplify the process, you can use a tool that allows you to:

• Enter each provider’s pricing structure
• Build a weekly care schedule
• See a clear total weekly cost

👉 Try our calculator on the homepage to compare providers quickly and accurately.

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Final Thoughts

Choosing a home care provider is about finding the right balance between cost and quality.

Before making a decision:

• Gather detailed pricing information
• Consider the level of care required
• Compare full weekly costs

Taking a structured approach will help you choose a provider with confidence and avoid unexpected expenses.

Don’t forget to read our Guide to Home Care and Funding UK

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