Hey Steve,
I heard about your accident. I'm actually an insurance agent so maybe I can shed some light on how your home owners policy "may pay" something. If you have standard home owners coverage, most policies cover mowers and tractors as long as they are used to "maintain" the property. The coverage would fall under your household personal property. If you have a small farm ranch policy or farm policy, it would typically have to be scheduled or you would have to have blanket machinery coverage. Call your agent and have him/her call the claim in. Even if it is not paid out, they should do there best to see if it's covered in any way. Good luck and let me know if you have questions.
I heard about your accident. I'm actually an insurance agent so maybe I can shed some light on how your home owners policy "may pay" something. If you have standard home owners coverage, most policies cover mowers and tractors as long as they are used to "maintain" the property. The coverage would fall under your household personal property. If you have a small farm ranch policy or farm policy, it would typically have to be scheduled or you would have to have blanket machinery coverage. Call your agent and have him/her call the claim in. Even if it is not paid out, they should do there best to see if it's covered in any way. Good luck and let me know if you have questions.