Does Home Insurance Cover Lawn Mowers? What You Need to Know

Homeowners insurance policies are designed to protect your home and personal property from unexpected events.

Does Home Insurance Cover Lawn Mowers?
Does Home Insurance Cover Lawn Mowers?| Martin Insurance agencies

But what about your lawn mower?

Does your home insurance policy cover it?

The answer is not straightforward, but we will try to explain it in this article.

READ MORE:  Does Home Insurance Cover Flooring? A Comprehensive Guide

What Does Home Insurance Cover?

Homeowners insurance policies typically cover the following:

1.Dwelling coverage

This covers the cost of repairing or rebuilding your home if it is damaged by a covered peril, such as fire, windstorm, or hail.

2.Personal property coverage

This covers the cost of repairing or replacing your personal belongings if they are damaged or stolen.

3.Liability coverage

This covers your legal responsibility if someone is injured on your property or if you cause damage to someone else’s property.

Does Home Insurance Cover Lawn Mowers?

The short answer is that it depends on your policy.

Most homeowners insurance policies cover lawn mowers as personal property, but only if they are damaged or stolen due to a covered peril.

For example, if your lawn mower is stolen from your garage, you can file a claim with your insurance company to get reimbursed for the cost of the mower, up to your policy limits.

However, if your lawn mower is damaged due to normal wear and tear or if it breaks down due to mechanical failure.

In addition, if you use your lawn mower for business purposes, it may not be covered under your homeowners insurance policy.

How to Get Coverage for Your Lawn Mower

If you want to ensure that your lawn mower is covered under your homeowners insurance policy, you may need to purchase additional coverage.

Some insurance companies offer endorsements or riders that can be added to your policy.

What does homeowners insurance include?

Homeowners insurance policies typically cover damage to your home from fire, heavy wind, and other disasters.

They also cover the loss or theft of personal belongings and provide liability coverage if someone is injured on your property.

Does a lawn mower need a cover?

A lawn mower cover is not necessary, but it can help protect your machine from dirt, debris, and inclement weather.

If you want to take better care of your lawn mower with a better version, you can consider purchasing one .

How far can a lawn mower throw a rock?

A typical walk-behind lawn mower can easily throw a rock to a distance of well over 50 feet at speeds exceeding 160 miles per hour.

More powerful garden tractors and zero-turns can throw rocks even further.

How do I keep mice out of my lawn mower?

To keep mice out of your lawn mower, you can try the following tips:

1.Use smells mice hate to repel them, such as peppermint oil, garlic, vinegar, or ammonia.

2.Eliminate any food sources mice can access, such as spilled bird seed, nuts from trees, or pet food bowls left outside.

3.Store your lawn mower in a sealable shed or garage.

4.Use physical barriers to deter mice.

5.Attract natural predators to your yard.

6.Apply commercial mouse repellents .

Conclusion

In conclusion, most homeowners insurance policies cover lawn mowers as personal property, but only if they are damaged.

If you want to ensure that your lawn mower is covered, you may need to purchase additional coverage.

It’s important to review your policy carefully and talk to your insurance agent to understand what is covered.

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