Does home insurance cover medical devices?

A car accident left me physically disabled and I'm dependent on medical devices to work and generally live my life. Are these devices covered by home insurance?

Answer
Yes! In most cases, medical devices are considered personal property and will be covered on your homeowners or renters policy as such. If you have items like hearing aids, a wheelchair, or prosthetic devices, you are well aware of how costly they can be! Make sure to increase your personal property coverage to include these items, and speak to your insurance agent about any exclusions your policy may have.
Also, wear and tear is not covered on a home policy, so it is a good idea to check with the manufacturer of your device to see if you have any type of warranty.
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Shannon Martin
Answered on Mar 03, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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