Many owners of a lawn tractor wonder if insurance is truly necessary. After all, it’s “just” a lawnmower, right? In fact, insurance for lawn tractors can be useful, because even small accidents can cause high costs.
Lawn tractor involved in an accident
Why Lawn Tractor Insurance Can Be Important
Unlike walk-behind lawnmowers, lawn tractors are motorized vehicles that are moved on public roads, even if only for short distances. Thus, they are subject to mandatory insurance. Furthermore, using a lawn tractor carries certain risks, just like any other vehicle:
- Liability: If you damage someone else’s property with your lawn tractor, for example a parked car or a wall, your liability insurance will cover it.
- Accidents: In case of accidents involving the lawn tractor, where you or other people are harmed, insurance protects you from high costs.
- Theft: Lawn tractors are desirable items for thieves. Insurance will replace the new value or current value of your equipment in case of theft.
What Types of Insurance Are Available for Lawn Tractors?
Various types of insurance are offered for lawn tractors:
- Liability Insurance: This insurance is usually included in personal liability insurance. It covers damages you cause to others with your lawn tractor.
- Comprehensive Insurance: Comprehensive insurance is useful if you also want to insure your lawn tractor against damage to the equipment itself. It covers, for example, damage due to accident, theft, fire, or vandalism.
- Legal Protection Insurance: In case of a dispute, for example after an accident, legal protection insurance can cover the costs for a lawyer and court.
What Should I Look For When Choosing Insurance?
When choosing insurance for your lawn tractor, you should pay attention to the following points:
- Coverage Scope: Compare the benefits of different insurance policies carefully.
- Sum Insured: Ensure the sum insured is sufficient to be financially protected in case of damage.
- Deductible: Consider if you want to pay a deductible in case of damage. A higher deductible usually lowers the premium but increases your own costs in case of damage.
Comparison of lawn tractor insurance costs
Conclusion: Protection for the Unexpected
Insurance for your lawn tractor may seem unnecessary at first glance. However, especially in case of damage, it can save you a lot of trouble and high costs. It is therefore worthwhile to compare the various offers and choose insurance that meets your needs. This way, you can enjoy your garden without worries.
Operating a lawn tractor safely in a garden
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