When you start searching for home care for a parent, you quickly realize that not all agencies are the same. The differences are not always obvious at first. Most agencies have professional websites, warm voices on the phone, and confident answers to general questions. The gaps show up later, when a caregiver does not show up and no one has a backup plan, when an incident occurs and the agency does not carry proper insurance, when the care plan never gets updated and the caregiver is still following instructions written six months ago. This checklist gives families the specific questions to ask any agency before signing a contract, and explains why each question matters. It is organized across six categories: licensing and legal compliance, caregiver screening and training, services and care planning, scheduling and reliability, costs and billing, and quality and accountability.