Does Your Home Insurance Cover Landscaping and Trees?

Protecting your home with homeowners insurance is a vital financial safeguard, but what about your landscaping and trees? Many homeowners might question whether their insurance policy covers these valuable outdoor assets.

Coverage for Landscaping and Trees

Homeowners insurance can financially cover landscaping, including trees, plants and shrubs, but the extent of coverage can vary. Generally, your policy will protect these elements if they are damaged by specific perils such as fire, lightning, vandalism, theft or explosions. For example, if a tree is hit by lightning or your garden is vandalized, your insurance might cover the expenses for repairs or replacements.

However, it’s important to note that not all perils are covered. Damage caused by wind, hail or floods is often excluded from standard policies. Additionally, damage from pests or diseases is usually not covered.

Limits and Exclusions

Most homeowners insurance policies have limits on how much they will pay for landscaping damage. Typically, coverage is capped at a percentage of your dwelling limit. It’s also worth noting that if you use your garden for business purposes, such as selling plants, your insurance may not cover any related damages.

Additional Coverage Options

If you have valuable landscaping, you might consider purchasing additional coverage. Some insurers offer endorsements or riders that can increase your protection for trees, plants and shrubs. This can be particularly useful if you have expensive or rare plants that exceed the standard coverage limits.

Learn More

Although homeowners insurance does offer some coverage for landscaping and trees, it’s crucial to understand the details of your policy. By reviewing your coverage limits and exclusions, you can ensure your outdoor investments are well-protected. For more comprehensive protection, consider exploring additional coverage options specifically designed for your landscaping needs. Contact Iron Rock Insurance to review your homeowners insurance policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.