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Will homeowners insurance cover my riding lawn mower that caught on fire?

I was starting my riding lawn mower and the battery in the motor blew up and caught on fire. Could this be covered by my home insurance?

Jul 24, 2019 Wynne, AR

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Yes, you can file a claim with your homeowners insurance but I would see if your lawnmower's warranty is still valid before you look into a claim. If you do decide to file a claim, it would be covered under personal property. Keep in mind that your deductible will apply, which means your insurer will only pay for the damages that exceed your deductible and only for the amount that is exceeded by the deductible. You should call your insurance company to find out what your deductible is in order to decide if you want to file a claim. See this guide on what homeowners insurance covers. If you have any other questions, don't hesitate to ask.

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