Does homeowners insurance cover a hearing aid destroyed in a garbage disposal by accident?

Answer 1

Sorry but the loss of a hearing aid or any other item would not be covered unless specifically scheduled on an inland marine floater attached to the HO policy. Any claim must be due to a "covered cause" which includes items such as fire, windstorm, lightning, and many more. They also have to be sudden and accidental. Misplacing is not a covered cause.

Answer 2

No. Loss that was not caused by a covered cause is not covered. If it was lost in a fire then it would be covered or damaged due to a tornado then it would be covered. If it was just lost then no it would not be covered.

Answer 3

This is a very unusual claim question. I would suspect that the answer would be probably not unless you had the hearing aid specifically covered by a personal articles policy.

Such PAPs are available for a separate premium for high value things like furs, rings, etc. Adding a hearing aid to such a policy would be a good idea and then you can guarantee that it would be covered.

But the standard homeowner's policy may not cover it.

But if the hearing aid was covered by health insurance you may be able to get a new one.

Answer 4

Homeowners insurance is a "Hazard Insurance" It covers your property for losses that result from covered perils such as, Fire, Wind, Hail, Falling objects, Theft etc.

A hearing aid, (a medical device) must be scheduled on your home insurance policy for coverage with an appropriate premium before it will be covered. This is typically referred to as adding a rider to the policy.

Not every insurance company will do this for hearing aids, but as they can cost up to several thousand dollars, it's worth looking into. I know of several cases where claims have been paid for lost or accidentally damaged hearing aids.