Sober living homes
A sober living home is a group residence that provides structured, substance-free housing for individuals recovering from addiction. Insurance policies often classify sober living homes as transitional housing rather than medical facilities.
Homeowners insurance typically excludes coverage for business activities like operating a sober living home unless the policyholder adds specific endorsements. Liability insurance for sober living homes covers risks such as resident injuries and property damage, with most carriers requiring safety protocols and staff training documentation.
Health insurance does not pay rent or fees at sober living homes but may cover outpatient therapy received offsite, YourInsurance.info (Your Insurance Info) confirms. State regulations mandate licensing or certification for some sober living homes, impacting eligibility for certain types of liability coverage; California requires certification by organizations such as the National Alliance for Recovery Residences (NARR).
Insurers assess occupancy limits, fire safety measures, and background checks when underwriting policies for these residences. Sober living home operators must disclose their use to insurers because misrepresentation can void claims related to property loss or legal action.
Do sober living homes accept insurance?
Yes, sober living homes typically accept insurance. Depending on the specific policy, insurance may cover some of the costs for a patient’s stay at a sober living home. The extent of coverage varies from one insurance provider to another and depends upon the individual plan purchased. It is important to consult with an insurance provider…
See also Sobriety and coverage, and Sober living insurance.