Summer is the perfect time to lend a helping hand. Whether you’re mowing a neighbor’s lawn while they’re on vacation or helping an elderly family member keep up with yard work, it’s common to use your riding lawn mower on someone else’s property. But have you ever wondered if your homeowners insurance still protects you if something goes wrong?

The Good News: In Many Cases, Yes

If you’re using your own riding lawn mower to maintain a residence, even if it’s not your own property, your homeowners insurance may still provide coverage.

Depending on your policy, this can include:

  • Property coverage if your mower is damaged.
  • Personal liability coverage if you accidentally cause injury to someone or damage another person’s property while mowing.

For example, if a rock is thrown from the mower and breaks a neighbor’s window, or someone is accidentally injured while you’re mowing, your homeowners insurance may help cover the resulting costs.

Keep These Things in Mind

While many standard homeowners policies provide this protection, coverage isn’t guaranteed in every situation. Your coverage could vary depending on:

  • The specific terms of your homeowners insurance policy.
  • Whether the mower is being used for personal or business purposes.
  • The circumstances surrounding the incident.

If you’re mowing lawns as part of a business or for regular compensation, your homeowners policy may not provide coverage, and a separate business insurance policy may be needed.

When in Doubt, Ask Your Agent

Insurance policies aren’t one-size-fits-all. If you’re ever unsure whether you’re covered while using equipment away from your property, it’s always a good idea to ask before an accident happens.

At Midwest Certified Insurance Agency, we’re here to help you understand your coverage and make sure you’re protected for life’s everyday situations—whether you’re at home or lending a hand to a neighbor.

Have questions about your homeowners insurance? Contact Midwest Certified Insurance Agency today, and we’ll help you review your policy so you can enjoy the season with confidence.