Mobility scooters, hearing aids, CPAP machines and other medical equipment are expensive, essential and frequently sit under limits a tenant has never looked at.
Medical equipment is personal property. Replacing it quickly matters more than replacing it eventually.
Three things about property you cannot do without.
A mobility scooter or a hearing aid is personal property like a television, covered subject to the same deductible and the same settlement basis. Nothing in a standard form recognizes that one of them is optional and the other is not, which is why the deductible choice matters more for households that rely on equipment.
Medical equipment depreciates on paper quickly while costing full price to replace. On an actual cash value policy the settlement can be a fraction of a replacement. Replacement cost is the single most important term for a household in this position.
Scheduled items carry an agreed value and often no deductible, which means a faster, cleaner settlement. When the item is something you need daily, the speed of the claim is as valuable as the amount.
Cover sized for equipment you rely on.
The difference is largest precisely on this kind of property.
Hearing aids and mobility equipment are common candidates.
Low enough that replacing essential equipment is worth claiming.
Tell us about any equipment you depend on daily and roughly what it cost.
We schedule the equipment you cannot be without for a week.
Request a quote