Does homeowners insurance cover damage to borrowed tools and yard equipment?

Homeowners insurance typically does not cover damage to borrowed tools and yard equipment. However, some insurers may offer optional coverage for this type of damage. If you are borrowing tools or yard equipment from a friend or neighbor, it is important to make sure that you have adequate insurance coverage in case the items are damaged. You can also consider asking the person you are borrowing from if they have insurance that will cover the items in case of damage.