Jeffrey Wade
State Farm's homeowners insurance provides coverage for your home and personal property in the event of a covered loss. It also provides liability coverage if an accident or injury occurs on your property. Personal property coverage helps replace your belongings if they are stolen or destroyed, and certain types of property may have specific dollar limits. All kinds of lawn mowers are covered under the personal property section of your homeowners insurance. This means that if your lawn mower is damaged by a peril included in your policy, such as a fire, or is stolen from your garage, your insurance company should pay for repairs or a replacement, up to your policy limit.
| Characteristics | Values |
|---|---|
| Riding lawn mower considered as personal property | Yes |
| Riding lawn mower accidents covered under liability coverage | Yes, for people who do not live in your household |
| Riding lawn mower accidents covered for family members | No |
| Riding lawn mower covered under dwelling and other structures | Yes |
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What You'll Learn
State Farm's liability coverage for lawn mower accidents
State Farm's homeowners insurance provides liability coverage for lawn mower accidents that occur on your property. This includes medical and legal expenses if someone who doesn't live in your household gets injured and requires hospital treatment or decides to sue. It also covers any damage caused by your lawn mower to someone else's property.
The personal liability coverage in your homeowners insurance protects against legal liability for bodily injury or property damage caused to a third party. This includes accidental injuries to someone using your lawn mower and any resulting medical treatment they may need.
State Farm's dwelling coverage, which is part of homeowners insurance, also covers any damage caused by your lawn mower to your home, shed, fence, or other structures on your property. This is usually covered on an open-peril basis, meaning it is covered unless specifically excluded from your policy.
To ensure sufficient coverage, it is recommended to increase liability insurance if you frequently have other people mowing your lawn, as this increases the risk of injury. You can also consider adding umbrella insurance, which increases liability coverage from the standard $100,000 to between $1 million and $5 million.
Additionally, blanket insurance can increase personal property coverage if you have an expensive riding lawn mower. Alternatively, you can schedule your lawn mower to increase the coverage limit specifically for that item.
It is important to review your homeowner's policy to understand the coverage types and limits offered by State Farm in your area. Contacting a State Farm agent can provide clarity on the different coverage options available for lawn mower accidents.
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Personal property coverage for lawn mowers
Homeowners insurance is a type of insurance that provides coverage for your home and personal property in the event of a covered loss. Personal property coverage helps replace your personal belongings if they are stolen or destroyed. This includes coverage for the contents of your home, such as furniture, appliances, or clothing.
Certain types of property may have specific dollar limits, and some items, such as jewelry, silverware, and collectibles, may have "internal" policy limits and could be covered under a separate personal articles policy. While State Farm does not explicitly mention lawn mowers in their description of personal property coverage, it is likely that a standard lawn mower would be considered a personal belonging and thus covered under their homeowners insurance policy.
However, it is important to note that personal property coverage typically applies to items that are stolen or destroyed, and may not cover damage to the lawn mower itself. For example, if your lawn mower is damaged in a fire, your homeowner's insurance may cover the cost of repairing or replacing it. Additionally, if your lawn mower is stolen, your insurance may reimburse you for its value.
It is also worth considering liability coverage, which is standard on all homeowner's policies. This protects you if your lawn mower causes damage to someone else's property or results in injuries to others. While basic liability coverage is typically included at no extra cost, you may want to consider increasing your coverage limits if you frequently use motorized equipment or hire workers to perform services on your property.
Inland marine insurance or commercial auto liability insurance may also be suitable if you transport your lawn mower or use it in various locations. These types of coverage can protect your equipment while it is in transit or temporarily stored away from your primary location.
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Dwelling and other structures coverage for lawn mower damage
State Farm's homeowners insurance provides coverage for damage to your house and other structures on the property where your house is located. This includes freestanding garages, sheds, pools, and other structures on your home's property. The dwelling and other structures coverage portions of your homeowners insurance will kick in if your lawn mower damages your home, shed, fence, or any other structures on your property.
Your dwelling is usually covered on an open-peril basis, which means it's covered for anything other than the specific events excluded from your policy. Unless your policy specifically excludes lawn mower accidents, it will cover any part of your home that gets damaged by your lawnmower. The same goes for other structures on your property, such as a shed or fence. However, it's important to note that your car is not included in this coverage. For example, if a rock flies out of the mower blades and chips your car window, that would be a claim for your auto insurance, not your homeowners insurance.
State Farm's basic policy covers other structures at 10% of your dwelling coverage. The coverage amount varies from policy to policy, so it's important to check your specific policy for the coverage related to these items. You can also contact your State Farm agent about insuring other structures on your property to ensure you have the right amount and type of coverage.
In addition to dwelling and other structures coverage, State Farm's homeowners insurance also provides liability coverage. This includes medical and legal expenses if someone who doesn't live in your household gets hurt on your property due to a lawn mower accident. It also covers any damage your lawn mower causes to someone else's property.
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Medical payments for lawn mower injuries
State Farm's homeowners insurance provides coverage for your home and personal property in the case of a covered loss. It also provides liability coverage if an accident or injury occurs on your property. This includes medical payments, also known as guest medical payments, which provide limited coverage if a third party is accidentally injured and requires medical treatment.
Lawn mower accidents are a lot more common than one might think, with approximately 85,000 lawn mower-related injuries reported to emergency departments in the US each year. These accidents can result in severe injuries, including flying debris, rollovers, and cuts from sharp blades, which may lead to accidental amputations or even death.
Homeowners insurance can sometimes help with medical payments for lawn mower injuries, but it depends on the specific circumstances and the policy edition date. For example, the 1991 HO 00 03 edition provides coverage as long as the vehicle is occasionally used to service the insured's residence or any other residence. On the other hand, the 2000 HO 00 03 edition offers no coverage if the vehicle is used off the covered residence premises. The 2011 HO 00 03 edition extends coverage to any residence, not just those of the insured.
It is important to note that homeowners insurance typically only covers lawn mower injuries to third parties and not to the policyholder or their family members. Therefore, if you or your family member is injured by a lawn mower, your liability insurance will not help pay for your medical bills. However, if someone else, such as a hired worker or a neighbour, is injured while using your lawn mower, your insurance can help cover their medical bills and legal fees if they decide to sue.
To ensure adequate coverage, it is recommended to review your homeowner's insurance policy carefully and consider increasing your liability coverage if necessary, especially if you frequently hire workers or have visitors who may use your lawn mower.
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State Farm's coverage limits and exclusions for lawn mowers
State Farm's homeowners insurance provides coverage for your home and personal property in the event of a covered loss. This includes protection for the physical dwelling structure and other attached structures, such as a garage, pool house, or tool shed.
Personal property coverage is also included, which means that your lawn mower is considered personal property and is protected under this section of the insurance policy. If your lawn mower is damaged or requires replacement due to a peril included in your policy, such as fire or theft, you can make a claim, and State Farm will pay for repairs or a replacement up to your policy limit.
However, it's important to note that there are exclusions and limitations to this coverage. General wear and tear, or damage from old age, are typically not covered perils. Additionally, if your lawn mower damages your car, this would not be covered under your homeowner's insurance but rather under your auto insurance policy.
State Farm's homeowners insurance also includes liability coverage if an accident occurs involving someone who doesn't live in your household. For example, if you hire a neighbour or a landscaping business to mow your lawn, and they get injured or decide to hold you liable, your insurance can help cover their medical bills and legal fees.
To fully understand the coverage limits and exclusions for lawn mowers under State Farm's homeowners insurance, it is recommended to review your specific policy or contact a State Farm agent.
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Frequently asked questions
Yes, your lawn mower counts as personal property, so it's protected under the personal property section of your insurance. That means you can be reimbursed for repairs or a replacement mower if it's damaged by one of the perils included in your policy.
The dwelling and other structures portions of your homeowners insurance will cover any damage to your home or other structures on your property, such as a shed or fence.
If someone who doesn't live in your household gets hurt by your lawn mower, the liability coverage included in your homeowners insurance will pay for their medical and legal expenses. However, if anyone in your household gets hurt, your liability insurance won't cover their medical bills.
If your mower gets damaged in an event that isn't covered by your policy, such as a flood, you won't be reimbursed for repairing or replacing it.
