Lawn Mowers, Landscape Tractors & Riding Tractors

Do you own a lawn mower / tractor that you use to cut the grass, tow the dump cart or plow snow in the winter time? Are you a nice neighbor and do your neighbor’s lawn on occasion or plow their snow? If you do, when you take the “tractor” off your premises it has no insurance coverage at all. It’s only covered as part of your homeowner’s policy for use on your property.

Do you own a larger tractor with a bucket or plow? When plowing your driveway in the winter and you back out in the street to clear the end — you are not on your premises. Therefore, if you hit something, you probably don’t have coverage.

You definitely don’t have coverage on a “tractor” when driving it down the road, hauling it somewhere on a trailer or in the back of a pickup truck. And if you get paid to use the “tractor” you are technically a business and your homeowner’s policy almost certainly doesn’t cover anything that happens.

It’s not all bad news! There are two types of insurance that are available (similar to car insurance) — Liability and Physical Damage. They can be bought separately or together and will cover if the “tractor” leaves your yard. If getting paid to use your tractor, a wide range of business coverage is available: call us for more information and a quote.