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.”