Home Elevator – Maintenance/Insurance/etc. costs?

We are looking at a new house that must have had somebody disabled living in it before – because it has a home elevator installed. While 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 frequency. But 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 etc. to 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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