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[IP] my pump is in

What brand pump did you get?  MM takes the best of care of you if your pump
is defective.  Why don't you read your own "homeowners insurance policy"  to
see what it covers or ask your insurance agent.  You need a professional
opinion about that question.  $5,000 is probably not in the insurance
company's category of "expensive" medical equipment even if that represents
a lot of money to you.  No offense is intended.