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Does Homeowners Insurance Cover Home Modifications For the Disabled?

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Homeowner's insurance will not cover the installation of home modifications for the elderly and/or disabled. However, your policy may cover any alterations or improvements you've made to your home that are damaged or destroyed by a covered peril. Contact your insurer to ensure adequate coverage for your home improvements if they were constructed after you obtained your policy.

How Homeowner's Insurance May Cover Damage Caused By Home Improvements

If they were in place before a covered loss, a policy might pay to repair or replace damaged modifications up to the policy's coverage limits and minus the homeowner's insurance deductible, as outlined below:

Homeowners Coverage

Your dwelling coverage limit may pay to repair or replace damaged additions, such as a wheelchair ramp, caused by a peril covered by your policy.

Personal Effects Insurance

Your disability-related specialized equipment may be covered under your property coverage if, by chance, it is damaged by a covered peril, subject to your coverage limits and deductible.

Coverages For Personal Liability and Medical Expenses

If someone who does not live with you is injured on your property due to an installed modification (such as slipping on a ramp or tripping over a stair chair lift), your personal liability coverage and medical payments coverage may pay for their medical expenses, up to the policy limits. If you need more liability coverage than your homeowner's policy provides, an additional umbrella policy may provide up to $5 million in coverage. Contact your agent for clarity.

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