Typically, homeowners insurance policies provide coverage for personal belongings, which includes items like furniture, electronics, clothing, and appliances. Some policies may also cover outdoor items, such as lawn equipment and tools. If your wheelchair is considered a personal belonging and is damaged or stolen while on your property, your homeowners insurance may provide coverage for the repair or replacement cost.
However, it is important to note that homeowners insurance policies typically have limits on the amount of coverage they provide for personal belongings. These limits may vary depending on the value of your belongings and the type of policy you have. Additionally, some homeowners insurance policies may have specific exclusions for certain types of items, such as wheelchairs. It is important to check your policy carefully to understand what is and is not covered.
If you are concerned about the coverage for your wheelchair under your homeowners insurance policy, you should contact your insurance company. They can help you understand your coverage limits and exclusions and may be able to provide additional coverage if needed.
