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Does your homeowners Insurance cover the PUMP?

Discussion in 'Parents of Children with Type 1' started by GRANDY, Jan 24, 2012.

  1. GRANDY

    GRANDY Banned

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    Any insight or info would be appreciated.
     
  2. Caldercup

    Caldercup Approved members

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    Ours does -- and we didn't have to do any extra riders or anything. I just called our agent to double-check, and this is what he told me.
     
  3. Gsmama

    Gsmama Approved members

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    Mine does not in New Jersey. I pay for a separate policy.
     
  4. JaxDad

    JaxDad Approved members

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    I'm also in NJ but mine told me that they will cover theft or loss (except if we lost it swimming in the ocean).
     
  5. Adrina

    Adrina Approved members

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    Homeowner's insurance & the pump

    I tried to put a rider on my pump when I first got it (4 yrs. ago). No go. I asked why I can't treat it as if I were putting a rider on for expensive jewelry. No way. I use Liberty Mutual Insurance. I don't know about other companies. The pump costs more than some diamond rings! Doesn't make sense. I now make sure I keep my old pump, just in case!
     
  6. Jacob'sDad

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    Don't think so. American Family. I asked in the past. I should probably ask again.
     
  7. Ndiggs

    Ndiggs Approved members

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    ours does cover it. We were covered under our policy subject to our deductible, but I added a 0 deductible rider so it is covered 100% no matter what, that was worth the $105 a year to us, if something does happen to it, in the 4 years that the warranty is it is less than paying our deductible. We have Citizens insurance BTW
     
  8. Style mom

    Style mom Approved members

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    Some do, some don't. Some do with a rider. They only way you'll know if yours does is to call and ask.
     
  9. Gsmama

    Gsmama Approved members

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    Hhmm. I called a couple of insurances with the intention that I would switch homeowners and they all told me no. I don't care so much now because we only insure the PDM and it's really cheap, but the Animas was $600 a year.
     
  10. lisac

    lisac Approved members

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    My insurance will only cover the pump as part of the contents of my home. Like if my house was to burn down, they'd pay me the x amount of insurance I have on my contents, but they would not allow me to cover it specifically, unless I wanted to put it on it's own policy which would cost me over $500 a year. Not worth it to me!
     
  11. GRANDY

    GRANDY Banned

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    My daughter called today and they quoted her $600 a year.
     
  12. Style mom

    Style mom Approved members

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    Well, there you go.
     
  13. GRANDY

    GRANDY Banned

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    Yes, there I go.
    I was just wondering if it was normal protocal to charge or if it was included.
     
  14. lisac

    lisac Approved members

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    It sucks doesn't it?! Animas told me to make sure and add Hadlee's pump to our homeowners. I assume my rep thought it would be. So sad:( Can't anything be cheap...
     
  15. GRANDY

    GRANDY Banned

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    It's crazy these costs, it's criminal actually.
     
  16. Sarah Maddie's Mom

    Sarah Maddie's Mom Approved members

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    But really what is the risk here? Our kids wear the pumps 24/7 and the manufacturer warranties it for 4 or 5 years against malfunction or routine damage. When exactly is it in great risk of getting lost or stolen? :confused:
     
  17. Connie(BC)Type 1

    Connie(BC)Type 1 Approved members

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    Mine is covered without a rider(can't get one) as long as l am wearing it(if outside the home) and someone pulls it off me, or if at home and I have it off for any reason, and for instance there's a fire or smoke alarm and I leave quickly and it's still inside, it's covered!
     
  18. JaxDad

    JaxDad Approved members

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    Yeah; it's not like it's attached at the hip......oh, wait ...it is. :D


    For once in my life this isn't meant to be sarcastic - just a bit funny. I hope.
     
  19. sugarmonkey

    sugarmonkey Approved members

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    Ours is covered as a separate item, but no extra charge. As Phillip's is part of a trial at our hospital part of doing that we had to have it insured.
     
  20. MomofSweetOne

    MomofSweetOne Approved members

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    That's exactly why we didn't purchase the $600 rider! But, I think we'll be paying for the locker at Six Flags this year rather than just letting our towel bag sit waiting for us.:p
     

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