养老机构造成入住老年人人身和财产损害的，依法应当承担赔偿责任。研究养老机构侵权责任类型化，应确定养老机构安全保障义务和安全注意义务的内容和形态，以过错原则为主、过错推定原则为补充确定归责原则，应厘清养老机构与监护人责任、职务责任、第三者加害责任等相关责任关系，明确养老机构免责事由。此外，还要完善养老机构综合责任保险制度，更好地维护老年人合法权益，构建养老机构安全发展环境。

If nursing homes cause damages to personals or properties of elders who dwell in the homes, they shall be liable for compensations. To research for typological liability for tort of the nursing homes, and to ensure the details and form of the security obligation and the safety duty of care of the nursing homes, we should take fault liability as a dominant liability principle and take doctrine of presumption principle as a supplement. We should also clarify the liability relationship on nursing homes between guardians' responsibility, job responsibility and the third party's liability for causing the injury. We should also explicate exemption for the nursing homes and complete the system for the general liability insurance to better safeguard the elders' legal interest and build a safe environment for the nursing homes.