Does homeowners insurance cover theft of lawn equipment?
Mia Phillips
Published Jan 20, 2026
Many homeowners insurance policies do have solutions to help pay for the replacement of personal belongings that are stolen from your house, including the lawn equipment. Some insurers will give the full replacement value of the item.
What motorcycles are stolen the most?
Most stolen motorcycle makes in the United States in 2019
| Characteristic | Number of thefts |
|---|---|
| American Honda Motor Co., Inc. | 8,122 |
| Yamaha Motor Corporation | 6,495 |
| Harley Davidson, Inc. | 4,737 |
| American Suzuki Motor Corporation | 4,686 |
Can a homeowners insurance policy cover theft from a car?
Does homeowners insurance cover theft from car? Yes, homeowners insurance policies such as HO-3 and HO-5 cover theft inside a vehicle. If your personal items (i.e. laptops, clothes, phones) are stolen inside the vehicle, your homeowners insurance policy will cover them.
What kind of insurance do you need for a stolen motorcycle?
Motorcycle Theft Coverage. The claims process for a motorcycle theft is very similar to a stolen car. First, you need to determine if you have purchased comprehensive coverage on your motorcycle insurance policy. Comprehensive is the coverage purchased for when your motorcycle is in storage to protect against this exact scenario, theft.
What happens if your home insurance policy is stolen?
Homeowners insurance covers theft of your personal belongings if they’re stolen from inside or outside of your home. The amount you’re reimbursed to replace stolen personal property will depend on the loss settlement provisions in your home insurance policy.
What happens if your car is stolen from your home?
The off-premises portion of your standard homeowners insurance policy will cover the personal possessions that are stolen from inside of your vehicle. Generally, this coverage is equal to approximately 10% of the limits that you have placed on the coverage of your home policy.
