Does My Policy Cover Chainsaws?
What Is An ISO Form?
- HO 00 03 04 91
- HO 00 03 10 00
- HO 00 03 05 11
Policy's written on the 1991 forms don't limit the liability of lawn equipment.
"We do cover vehicles or conveyances not subject to motor vehicle registration which are: a. Used to service an "insured's" residence; or"
Policy's written on the 2000 forms moved things in favor of the insurance company.
"We do cover "motor vehicles" not required to be registered for use on public roads or property which are: a. Used solely to service an "insured's" residence; or"
If you have ever used your saw off the boundaries of your property, i.e. cut a neighbors tree, your saw is no longer covered by the policy.
Policy's written on the 2011 forms moved backwards a little in favor of the insured.
"Motor vehicles" not required to be registered for use on public roads or property which are: (a) Used solely to service a residence; or
This means you can cut the neighbors tree with your saw and your cover is still in tact. But your cover will be extinguished if you cut a tree at the local base ball field, as it's not a residential property.
So, what does this mean? Check your insurance policy and know what limitations you are set.
The risks associated with uninsured tools include, not being able to recover the cost if lost, stolen or damaged, but more significant maybe not being covered in the event of damage caused by your chainsaw.
What is the easiest chainsaw to start? The easiest chainsaw to start is an electric saws, if a corded saw is not suitable, try a lithium battery powered cordless chainsaw.
Are battery chainsaws as good as gas? Gas saws are the most powerful and flexible. Corded saws and battery operated are cheaper and by far easier to use and maintain, ideal for the occasional user.