Long term care insurance may cover in-home care services, but the coverage can vary depending on the specific policy and the insurance provider. Some long term care insurance policies do include coverage for in-home care, which can encompass a range of services such as assistance with activities of daily living, nursing care, and therapy. It's important to carefully review the terms and conditions of the policy to understand the extent of coverage for in-home care. Additionally, certain requirements or conditions may need to be met to qualify for in-home care coverage, such as certification of need by a healthcare professional. It's advisable to consult with the insurance provider or a licensed insurance agent to get detailed information about in-home care coverage under a specific long term care insurance policy.