Landscaping is an investment in your home's appearance that increases its value, curb appeal, and your enjoyment of your property. Homeowners insurance covers some aspects of this investment but not others, although you may be able to purchase additional coverage.
What landscaping is covered by standard homeowners policies? Your basic policy may offer protection for trees, shrubs, and plants against specific problems such as fire, lightning, explosion, vandalism, riot, theft, or damage caused by someone else's vehicle.
How much does homeowners insurance cover for landscaping? Policies usually have limits on how much landscaping coverage is available, for example they may limit coverage for landscaping to a percentage of the dwelling protection and each particular tree or shrub may have a limit.
Is my landscaping covered in a hurricane? Damage to the plants themselves caused by weather disasters is typically not covered, but if falling trees damage your home or other structures on your property, repair to those buildings would be covered by your homeowners.
Damage to your landscaping caused by insects, pests, or diseases is not covered by homeowners insurance, which is why your investment in landscape design is best served by hiring a landscaper so these factors do not become an issue.
You will most likely pay a deductible before any coverage begins for damage to your landscaping, home, or structures. One of the most important things to keep in mind is if someone else's tree falls on your home, your homeowners insurance will be the one to cover this damage.
If you are found negligible for not taking care of a rotting tree on your property that falls, your structures may not be covered by your homeowners insurance. Have a professional arborist observe the health of the trees for you.
We recommend that if you are concerned about coverage for your landscaping, you contact your homeowners insurance agent. Inquire about additional coverage because some insurers offer options that could help provide additional protection for your valuable landscaping.
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