The question of whether your housing insurance covers hearing aids has become a regularly occurring question among homeowners that require hearing aids. Some aid specialists advise that you put your hearing aids under your house and content insurance. But is that enough? What if the damage occurs outside your home? Does it still count? Well, let us find out!
Hearing aids are tiny devices that can be lost or damaged easily. This being a relatively expensive device makes it a target for theft. If you buy a hearing aid, it often comes with at least a 3-year warranty, which covers only manufacturing defects. It should also have a 12-month loss or damage provision exercised at the full discretion of the manufacturer.
There are many ways you can lose or damage your hearing aids, and unlike mobile phones, they cannot be tracked. Even the small size makes it impossible to find when dropped. Although getting your hearing aids into your insurance policy can be confusing, it is somewhat necessary.
Adding Hearing Aids to Your Policy
The majority of homeowners insurance policies cover loss or damaged hearing aids. Because it is considered as personal property, the coverage will come from that part of the insurance policy. Also, you should keep in mind that the loss or damage will be put under the regular deductible, depending on your policy. This would mean that if the value of the hearing aid is not more than your deductible, you would not be entitled to any payment from the insurance company. Also, the policy can only cover the stolen hearing aid up to the personal property limit of liability stated on the insurance policy. If the hearing aid’s value is more than the limit, the limit is the most the policy covers.
Keep in mind that personal property coverage on your homeowners policy will extend beyond the boundaries of your home. Most home insurance policies will cover your property anywhere in the world.
For some, all it takes is adding Valuable Articles Coverage to your current homeowners policy, and you’ll get the special protection you require for your valuables. From cherished jewelry to vital medical devices, i.e., hearing aids in this case, this coverage protects your most essential possessions in the event of damage or theft.
After you claim your hearing aids as a valuable, and it has been included in your policy, most insurance companies will cover the loss.
What Exactly Does the Policy Cover?
When your hearing aids get lost or damaged due to attempted theft, a flood, or a fire, most insurance companies replace them with a new ones. In cases where your device gets damaged deliberately, outside or inside your home, the policy doesn’t cover that.
What if I Live in A Nursing Home?
If you live in a nursing home, the number of items that you carry with you is usually much less than what you own. Regardless, those few items will often carry sentimental value. Only very few homeowners insurance companies offer insurance to people that live in nursing homes. So it would make more sense if you get insurance just for hearing aids.
Hearing aids are undoubtedly a vital part of many people’s lives, and the smartest thing to do is to ensure your valuables are insured. So If the fear of losing your hearing aid makes you restless or wondering if insuring them would be smart? The answer is yes; getting your hearing aids insured is a great idea. This way, you can be at ease and get your peace of mind back.
