The most popular homeowners policy is HO$-3($Special Form$).$ Suppose that I have taken my lawn mower $($which is typically stored

in my home garage$)$ from Jonesboro to West Memphis to mow my son's yard. The mower is struck by lightening and damaged while

it is in West Memphis. Is the damage covered under my homeowners policy?

Yes. HO$-3$ covers personal property anywhere in the world.

No$.$ The homeowners policy only covers personal property that is damaged while inside my house or otherwise on my property.

Yes. My homeowners policy will cover the mower because is it located at the home of an immediate family member.

No$.$ HO$-3$ will cover personal property damage that occurs within $15$ miles of the insured home.