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 provided by
Shannon Martin
Answered on Mar 03, 2021
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.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies