Is a fire caused by my riding lawn mower covered?

Will our homeowner's policy cover fire damage on our property My son was mowing the lawn as part of his chores and the riding lawn mower started to overheat. He hopped off and came inside to get this father. During this time, the mower caught fire! The fire spread to our old shed and burned it to the ground.

Answer
“Thank goodness your son got off the mower in time!
Accidental fires are covered under your homeowner’s policy, so you will have protection. However, since the proximate cause was the lawn mower, you will want to look into any warranty you have on it or known malfunctions to see if the lawn mower maker has any liability in this situation.
If it was just the lawn mower that was destroyed, it would be in your best interest to purchase a new mower rather than putting in a claim on your policy. Since it sounds like a lot more damage was caused, submitting a claim may be your best course of action.
Your lawn mower and property in the shed are covered under personal property. In contrast, the shed itself is covered by the other structures section of the homeowner’s policy.
If you don’t have the proper coverage on your home, now is a great time to check out Jerry to help you find the best rates.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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