Does Your Home Insurance Cover Accessibility Modifications?


You may be surprised to learn that more than one in five Americans have a disability. This means that, as a property owner, there is a good chance that you will be required to modify your home for a family member or tenant. This could mean widening entryways, building ramps or installing a lift. All of these are factors which could affect your homeowner’s coverage. You need to check your home insurance policy carefully to ensure that you are covered against any damage done to property or occupants of your home.


Are Contents Covered?

Beyond the structural reorganization of your homes, most disabilities will also require equipment, much of which is expensive. For instance, an electric wheelchair will cost you anywhere from $1200 to $30,000. You don’t want to risk paying for these items in the event of theft or a fire. It is therefore important to check that you have comprehensive contents insurance for your disability friendly property. The more medical equipment your home contains, the more insurance you’ll need. It’s not like losing a TV. Contents coverage for medical possessions is vitally important for peace of mind.


What Liabilities are Included?

People living with disabilities don’t just rely on the support of machines, but often require human care as well. This means you’ll likely have a greater number of people visiting your property on a regular basis. Whether its a repairman for the stairlift, a plumber for the unreachable pipes, a nurse for a checkup or just a friend offering support, there are many people who could potentially be injured in your property.

This is where liability insurance is important. When professionals visit your home, they will usually be covered. However, it is your job as a property owner to check that they are. If not, you may want to take out liability insurance in case of an unexpected lawsuit resulting from an injury on your property. For non-professionals, it is your responsibility as a homeowner to ensure they are covered in case of an accident.




Get a Full Safety Inspection

6.5% of fires are caused by an electrical malfunction, but the risk is higher if you have many electricals, such as wheelchairs, stairlifts and adjustable furniture. Then there’s the risk of a cooking accident resulting from an out of reach stove. To prevent an accusation that an accident is your fault, get a full inspection carried out. This should check that all electricals have been correctly installed and that the house is safe to use by someone with impaired mobility. This way, if an accident does happen, your insurance company will be responsible for paying for the damages.


Ensuring that a home is accessible is important for many property owners. It allows safe and easy use of the property by anyone. However, with the added equipment and visitors there may be insurance considerations to take into account. Ensure your possessions are fully covered and that you have liability insurance for any visitors. Carrying out a full safety check ensures you are not responsible for paying in the unlikely event of an accident.

More Information

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If you’d like to take a look at more home insurance blogs, we have a bevy of them on our website. Consider taking a peek at these before you leave:

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