Are Lawn Mowers Covered Under Homeowners Insurance? Direct Answer
Yes, homeowners insurance commonly covers a lawn mower as personal property when it is damaged or stolen because of a covered peril, such as fire, theft, or vandalism. Coverage depends on where the mower is stored, how it is used, your deductible, policy limits, exclusions, and whether claims are settled at actual cash value or replacement cost.
Expert Summary
>
– A lawn mower used to maintain your residence is generally treated as personal property under Coverage C of a standard homeowners policy.
– Theft may be covered at home or away from home, but the insurer will subtract your deductible and may apply off-premises limits.
– Standard homeowners insurance normally excludes flood, mechanical breakdown, wear and tear, neglect, and routine maintenance.
>
