Lawn Equipment Insurance
I Don't Have Mower Cover, So What?
You don't have to have insurance, but there's a real risk beyond the obvious risk of lawn equipment theft.
Does Your Policy Cover Mowers?
- 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 up a notch 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"
This is an out for the insurance company, if you have ever used your lawn equipment or tractor mower off the boundaries of your property, ie cut a neighbors lawn, your mower 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 lawn and trim his hedge with your trimmer and your cover is in tact. But your cover will be extinguished if you cut, say a base ball field or use any of your garden equipment on public or commercial property.
What Type Insurance Do I Need?
Are tools covered under household insurance? Most policy's will cover tools in its contents, however the size of your deductible may make a claim uneconomic.
Does homeowners insurance cover lawn damage? Yes, most policy's will cover lawn damage, unless it's listed on your policy as an "excluded peril."