Does Homeowners Insurance Cover a Robot Mower?

Most homeowners insurance policies cover robot mowers under personal property coverage, the same section that covers lawn equipment, tools, and outdoor furniture. Standard policies cover theft, fire, storm damage, and vandalism. They typically do not cover mechanical breakdown or normal wear.

If your mower costs over $1,000, check your policy per-item limit. Some policies cap individual items at $500-1,500. If so, you may need a scheduled personal property rider (costs $15-30/year) for full replacement coverage.