Can your insurance be canceled if you still own the home but am in a nursing home?

Your Home Insurance would not be cancelled due to the owner having moved into a nursing home.

However, If the home is now vacant, been rented out or occupied by a different person. Failure to notify the Insurance company of a change in occupancy or other associated risk factors are grounds for cancelling a home insurance policy.

Under the terms of your insuring contract (Policy), You are required to notify the Insurance Company of any change in occupancy because this also changes the risk factors associated with your policy. A Vacant home for example, requires a vacancy endorsement to maintain coverage. Occupancy by another or rental homes require a Tenant Occupancy endorsement.

Hope this helps.