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Is a fire caused by my riding lawn mower covered?
Will our homeowner's policy cover fire damage on our property My son was mowing the lawn as part of his chores and the riding lawn mower started to overheat. He hopped off and came inside to get this father. During this time, the mower caught fire! The fire spread to our old shed and burned it to the ground.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Thank goodness your son got off the mower in time!
Accidental fires are covered under your
homeowner’s policy
, so you will have protection. However, since the proximate cause was the lawn mower, you will want to look into any warranty you have on it or known malfunctions to see if the lawn mower maker has any liability in this situation.If it was just the lawn mower that was destroyed, it would be in your best interest to purchase a new mower rather than putting in a claim on your policy. Since it sounds like a lot more damage was caused, submitting a claim may be your best course of action.
Your lawn mower and property in the shed are covered under personal property. In contrast, the shed itself is covered by the other structures section of the
homeowner’s policy
.If you don’t have the proper coverage on your home, now is a great time to check out
Jerry
to help you find the best rates.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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