Home Modifications: How do I pay for this?
When the need arises to install specialized equipment to make a home accessible, we get asked all the time, “will my insurance cover any of this?”
The short answer:
Most insurance does not cover anything installed in the home. Why?
Any equipment that is installed into the home (i.e. permanently altered, modified/attached to the structure) is considered to be a “home improvement,” and therefore is not something that is included in a policy.
The long answer:
There are state-funded resources as well as local non-profits or city and county grants available for home modifications, especially if you’re a veteran or currently qualified based on a limited income. Explore these resources to find the best funding options for your specific need.