You heard rightâ€¦weâ€™re encouraging you to be a less than neighborly neighbor and NOT mow your neighbors lawn.
Your lawn mower is covered while being used on your property while you or another member of your household is using it. Personal liability coverage only applies if the mower is being used to â€œservice the â€˜insuredsâ€™â€™ residence.â€
Now, what does all that mean in plain Englishâ€¦
Liability coverage is what pays out in the event someone else is injured on your property due to your negligence. More common instances include a visitor falling and injuring him or herself in your home.Â Although your mower is considered your possession or personal property by ownership, if it is not being used on your property, liability coverage from your homeownerâ€™s insurance policy will not pay.
For example, say you are mowing your neighborâ€™s lawn and accidentally injure them or a member of their family in the process. While it would be an unfortunate incident nonetheless, it becomes a costly one as well because neither yours nor your neighborâ€™s home insurance policy will contribute to the cost of the medical bills.
This is also important to keep in mind if you tow your mower to other locations for use â€“ possibly some additional land, a family members yard, etc .
Simply stated: If youâ€™re using your mower on your yard, youâ€™re covered.