Your insured, under a Homeowners policy, reports that the lawn mower he/she borrowed from a neighbour struck a rock at the edge of his/her garden. It broke the blade of the mower and threw a piece of rock through another neighbour's window. Will the policy provide coverage in any way? The broken window is covered but the damage to the lawn mower is not because it is under his/her care, custody or control. Neither the window nor the mower is covered. The damage to both the window and the mower is covered subject to the policy limits. The damage to the neighbour's window is not covered because the piece of rock was not a falling object. Contents instead.

Your insured, under a Homeowners policy, reports that the lawn mower he/she borrowed from a neighbour struck a rock at the edge of his/her garden. It broke the blade of the mower and threw a piece of rock through another neighbour's window. Will the policy provide coverage in any way? The broken window is covered but the damage to the lawn mower is not because it is under his/her care, custody or control. Neither the window nor the mower is covered. The damage to both the window and the mower is covered subject to the policy limits. The damage to the neighbour's window is not covered because the piece of rock was not a falling object. Contents instead.