Lawn Mower Insurance in New Zealand
Protect your lawn mowers, ride-on mowers, and landscaping equipment. Comprehensive coverage for lawn care professionals and commercial operators.
Protect your lawn mowers, ride-on mowers, and landscaping equipment. Comprehensive coverage for lawn care professionals and commercial operators.
From push mowers to commercial zero-turn mowers
Zero-turn mowers, lawn tractors, and commercial ride-on equipment
Self-propelled, rotary, and commercial walk-behind mowers
Weed eaters, brush cutters, and edging equipment
Backpack blowers, leaf vacuums, and clean-up equipment
Electric and petrol hedge cutters, pole trimmers
Professional chainsaws and pole saws for tree work
Backpack sprayers, boom sprayers, spot sprayers
Equipment trailers and transportation for your gear
Coverage for mowers stolen from your property, trailer, or work sites
Protection against drops, collisions, and operational accidents
Coverage for fire damage, floods, earthquakes, and severe weather
Protection if your equipment is deliberately damaged
Protection while transporting equipment between job sites
Husqvarna
Honda
John Deere
Stihl
Toro
Cub Cadet
Masport
Ferris
Coverage options for all types of lawn care equipment
For small operators and residential contractors
For established lawn care businesses
For landscaping companies with multiple crews
Yes, ride-on lawn mowers can be insured under equipment insurance or tool insurance policies in New Zealand. Coverage typically includes theft, accidental damage, fire, and vandalism. Commercial lawn care businesses should include ride-on mowers in their business equipment insurance.
Lawn mower insurance costs vary based on the value of your equipment. A basic push mower under $1,000 might cost $10-20/month to insure, while commercial ride-on mowers worth $10,000+ typically cost $40-80/month for comprehensive coverage.
Personal lawn mowers may be covered under home contents insurance, but usually with low limits (often $500-$1,000) and only while at your home. Commercial mowers used for business are not covered by home insurance and need separate equipment or tool insurance.
Commercial lawn mower insurance covers theft from job sites, not just your property. Make sure your policy includes "away from premises" coverage if you're a mobile lawn care operator. Document the theft with police and your insurer for a smooth claims process.
Standard equipment insurance typically doesn't cover mechanical breakdown from normal wear and tear. However, accidental damage is covered. Some policies offer breakdown cover as an add-on. Manufacturer warranties cover defects, while insurance covers theft and accidents.
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