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Home Elevator - Maintenance/Insurance/etccosts?

We are looking at a new house that must have had somebody disabled living in it before - because it has a home elevator installedWhile it might be nice to transport laundry baskets or when my elderly mother comes over, I can't imagine I would use it with any frequencyBut what are the downsides of having one of these things? Am I going to take a big hit on my home insurance for this? How often does a home elevator need to be maintained/inspected etcto insure they are safe and unlikely to get stuck? If anybody has actual experience with owning one of these, I'd like to hear your thoughts.

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