Lawnmower Insurance

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Updated February 20, 2023

We live in an age of risk management, which means securing warranties and the best insurance for many essential and expensive devices. Many tools are insurable, and lawnmower insurance is standard among homeowners and business owners. There are multiple tiers of lawnmower insurance, and typically, it’s covered under homeowners’ or business owners’ insurance policies. For example, an open perils policy comprehensively covers any associated homeowners’ risks. On the other hand, there is a named perils policy, a less comprehensive but cheaper plan that lists specific scenarios under which the lawn equipment is covered.


  • Lawnmowers are typically items covered under homeowner’s insurance policies, but additional insurance can be purchased to expand coverage.
  • Open perils coverages are policies that provide repayment under most circumstances, but it costs the most.
  • Named perils contracts establish specific circumstances under which the insurance provider will provide repayment.

What to Know about Lawnmower Insurance

Homeowners know it: lawnmowers are expensive. Often, equipment will be covered by homeowners insurance. But even then, it’s not a guarantee, and when it is included, it usually has basic coverage. This process can be confusing, so it’s crucial to know the differences between home insurance and home warranty.

Insider Tip

Lawnmower owners might be eligible for a discount if they don’t use their lawnmowers every day.

Insurance companies, like Asurion iPhone coverage, are third parties that create contracts that agree to pay for damages that occur to items under certain conditions.

When laying out a homeowner’s insurance plan, owners need to select the various items they want to be included in their plan, and there are a few options to choose from when it comes to mowers. Mowers are especially important to insure, as not only are they expensive, but they also pose risks for physical injury.

A homeowners insurance policy usually includes coverage for mowers if they are stolen or ruined in a fire or natural disaster. But additional policies can be taken out to ensure other guarantees.

Open Perils Policies

Open perils policies (also called umbrella policies) are the most comprehensive coverage plans, protecting against accidental or unexpected environmental damages and theft. However, they also cost the most. However, these policies will exclude specific scenarios, so always double-check this section.


Homeowners’ insurance will not carry over to incidents that occur off the property.

Perils Policies

Then, two less comprehensive types of plans fall under named perils policies. First, there’s a property damage-only policy, which will cover specific situations under which the insurance will cover damages to the machine. Under open perils, these often include:

  • Theft or vandalism
  • Fires or floods
  • Damage from a fallen tree (only applies to trees on the property)

There’s also a liability-only policy. This named-peril policy only covers injuries sustained by others while you’re operating the machine.

Remember that the lawn mower manufacturer will offer a warranty for manufacturing defects, similar to other essential household equipment, like a Rheem Water Heaters warranty. For more on this, you need to know the differences between insurance vs warranty.

STAT: Around 37,000 Americans suffer lawn mower-related injuries every year. (source)

What Does Lawn Mower Insurance Cost

There are a few factors involved in calculating the cost of insurance. These include:

  • Type of lawnmower
  • Age of the equipment
  • Original value
  • Extent of coverage
  • The state you live in

Once these things are considered, a definitive price is placed on the overall coverage.

Lawnmower Insurance FAQs

Does lawnmower insurance cover medical injuries suffered while riding the lawnmower?

This will not come with equipment insurance. However, if you have liability coverage included in your homeowner’s coverage, it should cover any injuries caused by the lawnmower.

How do I know if my policy covers lawnmowers?

The easiest way to do this is to contact your insurance provider and have them check to see if it’s included in the policy.

Do you need a license to drive a lawn mower?

Most places don’t consider lawnmowers as motor vehicles. So long as operators do not take them on the road, they don’t need a license.
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