For those with a large yard, a riding lawnmower is an important investment. These systems can cost thousands of dollars. And, you usually store them in your garage or shed, making them a bit vulnerable. If something happens to them, could you afford to pay for the replacement?
It’s important to know what your home insurance offers. In some cases, you may have some financial support available.
Protecting Your Possessions 
Home insurance has the goal of protecting your home’s structure and your possessions. By this indication, your policy should cover your riding lawnmower. Nevertheless, exceptions might exist.
Generally, insurance policies offer structure protection. That means the policy covers damage to structures on your property aside from your home. If you have a shed, for your mower, for example, be sure to list it on your insurance policy. This helps protect you from potential loss.
However, there are limitations. Nearly all policies limit the per item coverage of items. For example, if your lawn mower cost $2,500 and your policy has a $1,000 limit per item, then you may be out of luck. The policy might only cover $1,000 of the $2,500 value.
The amount of coverage you have depends on the amount of your base insurance policy. Adding more coverage is often an option, however. For high-value items like the mower, let your home insurance agent know about them. He or she can ensure the item has coverage. To do this, you may need to add an endorsement or rider to the policy. This covers your specific mower.
Your policy might also limit where it covers mowers. Most often, you have coverage for incidents such as theft, fire and vandalism. However, your policy often doesn't cover damage from mower neglect. Pests and water damage also often do not have coverage.
Filing a Claim for Accidents
Mowers are very dangerous. As a result, it is important to let your insurance agent know about them. Your liability insurance will cover most losses associated with lawn mower accidents, such as injuries. If you find yourself in need, you can place a claim with your agent. It may cover some types of property damage as well. Still, make sure the policy doesn't exclude mower damage. The details of the incident matter. If you do not have enough liability insurance, you may have some limits here.
Your home insurance policy helps cover all of your possessions. This might include your driving mower. Update your policy to reflect your riding mower to gain protection here.